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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Debt collection

I was admitted to XXXX XXXX XXXX XXXX in XXXX MO on XXXX. 
I was billed both by XXXX XXXX in XXXX MO for their services, and by " XXXX XXXX XXXX of XXXX XXXX ''. While XXXX XXXX in XXXX MO sent me bills to my address and I paid as agreed, I did not receive any bills from " XXXX XXXX XXXX of XXXX XXXX '' because they were sending me bills to a wrong address which I have nothing to do with ( I was in XXXX  XXXX  and was released from XXXX XXXX and gave XXXX  all info they asked me for ). I was not aware of their bills, and I was not informed by XXXX XXXX of any money that I owe to " XXXX XXXX XXXX of XXXX XXXX ''. 
On XXXX " Wakefield and Associates '', XXXX XXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX reported me to XXXX  XXXX XXXX XXXX for late payments with remarks " Remarks : >PLACED FOR COLLECTION< '' " Original Creditor : XXXX XXXX XXXX '' I did not receive any communication neither from " Wakefield and Associates '', nor from " XXXX XXXX XXXX of XXXX XXXX '' about any money owed to wither of them, and they reported me to a collection agency for non-payment. How was I supposed to pay any money they claim if they don't send me a bill? And then they report me for non-payment. 
This act of reporting me to a credit reporting agency XXXX  hurts me as a customer, and is not based on legitimate billing process. 
Here I request from Consumer Financial Protection Bureau 1. To investigate this case, financially punish the above mentioned actors " Wakefield and Associates '' and " XXXX XXXX XXXX of XXXX XXXX '' for financially harming and punishing an US citizen for things that US Citizen did not have any fault, where there was no due process of billing and informing of charges, so that they do NOT do this dirty strategy in the future and hurt other US Citizens 2. I request that the financially hurting statement of not paying my bill on time is removed from my credit report due to the fact that they did not inform me about any money owed before or on the date they reported me to XXXX  XXXX XXXX XXXX. 

Additional information : I received a few phone calls from " Wakefield and Associates '', I asked them to send me the bill so that I can review their claim and pay if I find that it is legitimate bill for legitimate service. 
Finally on XXXX they sent me the first bill to my real address. After I reviewed it I paid the bill in full. But the fact is that " Wakefield and Associated '' reported me three months before they ever sent me any bill to my address, and this CONSUMER ABUSE should not be allowed in a civilized state.
Product: Debt collection

This was originally under a workers comp claim XXXX of XXXX that was actually not approved so XXXX XXXX should have been billed under medical insurance but never was! Never received any info from original company either! Assumed everything was fine and would just receive a deductible amount to pay to them! They never issued to insurance carrier and I never knew or received correspondence from original doctor either! Two plus years later see on credit report that now is with collection agency for absurd amount that never should have been amount was if was properly sent through insurance! And this company is stating compounding interest too and shows start date with them is XXXX! I told them all this and they never got in touch with me and I have tried numerous times to contact and they wo n't do anything other then ask for amount. I do n't really care to much other then fact that effects credit and is only collection have that will honestly stay that way because I am not paying amount! Please just help me because really just hard working citizen trying to get life in order and doing quite well but this is dark cloud that ca n't seem to get fixed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have had my credit file for a long time now as I already have 9 open credit cards available to me I havent verified my personal credit in a while, on XXXX, XXXX 2022 I decided to apply for Buissness credit card for my company surprisingly I was denied upon verification of my credit score and credit report I realized unusual inquiries from these credit institutions named above I will be placing a credit freeze and credit monitoring service with the 3 credit bureaus I belive that my information was compromised upon application for a vehicule loan.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX for egregious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. My concern revolves around XXXX XXXX inaccurate reporting of negative transactions on my consumer report, a clear infringement of the rights protected under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ).

In addition to the FCRA violations, XXXX XXXX has failed to provide the appropriate mechanisms for me to exercise my legal right to opt-out of the sharing of my nonpublic financial information with third-party non-affiliates, as mandated by 16 CFR 313.7 and 15 USC 6802. This blatant disregard for consumer rights is unacceptable.

Despite providing Blue Green Vacations with formal notice of my decision to opt-out, the institution persists in violating the Fair Credit Reporting Act and the Privacy Act of 1974. This not only represents a fundamental breach of my privacy but also undermines the integrity of the regulatory framework established to safeguard consumers.

I am urging the Consumer Financial Protection Bureau to conduct a thorough investigation into Blue Green Vacations practices and take immediate action to rectify these flagrant violations. As a regulatory body empowered by 15 USC 3805, I expect the CFPB to enforce the laws designed to protect consumers like myself from such reprehensible conduct.

Blue Green Vacation must be held accountable for their actions, and I request that the CFPB intervenes swiftly to address these violations and ensure compliance with all pertinent federal statutes.

I appreciate your prompt attention to this matter and look forward to a decisive resolution that upholds the rights and protections afforded to consumers.
Product: Student loan

Good morning, My wife ( XXXX XXXX ) and I make {$2000.00} payments to Navient student loans trying to pay off her student loans with a balance of {$31000.00}. We began making those payments on XX/XX/2019. We can not get information on Navient 's website or over the phone as to the balance of the loan at each month we make the {$2000.00} extra payments. We don't know whether the extra payments are going toward the highest interest loans. We have made requests, but received not response from Navient as to weather this is happening. 

We can not reach a person at Navient to determine if our extra payments are being applied to the highest interest payment. We have also tried to determine whether the payments are applied. 

We have also tried to determine if there is an option for lower loan payments through autopay as other loan service providers do, but no information about this is available. 

I work for the federal government and am posted to a hardship location with my family and have very limited internet access and can not reach anyone on the phone despite numerous attempts. The company will not send us monthly statements to determine how much we owe or how much progress we are making toward loan payoff. 

These {$2000.00} payments are our family 's largest monthly expense. We took choose a difficult post for the sole purpose of paying off XXXX ' loans, but we can get no information about the progress we are making in paying them off nor can we determine how long we will continue to make these payments because we do not know where the payments are being applied to. 

These loans create tremendous hardship for our family. We support parents financially and have XXXX children of our own and want to begin saving for their education, but want to pay off these loans first. With no information about where our payments are applied to or how long it will take to pay off these loans, we can not plan for our future financial obligations. My Husband XXXX took a federal job in an isolated hardship post overseas for the purpose of paying off these loans faster with higher income. He is away from family for extended times and we spend years outside the U.S. to save money to pay off these loans. We have a right to know where our payments are applied to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a letter to Transunion sent via certified mail on XX/XX/18. They sent a letter back that I received today, stating there was not sufficient information and that they wanted me to resend the accounts in question in print with the dispute reason ... I did that already in my dispute letter that they received over 30 days ago and included the exact account number they have on each account ... proof is in the attached document field. The numbers I gave for each account is the exact number that I found on my credit report from Transunion. They have recieved every piece of information they want over thirty days ago already in written format. I have requested that these accounts be verified which is my consumer right, and Transunion has failed to honor that request within the 30 day period. Funny, they have the information at the tips of their fingers but cant verify the info!!!!!
Product: Debt collection

I have not received a statement from this company in months, despite my attempts to contact them via mail and phone. The last statement I received was XX/XX/2016. I have no idea what the balance is on this debt, nor do I know how my payments are being applied. Their statements are confusing and I do not believe they are applying my Payments correctly. I pay this loan electronically through Billpay in my mobile banking website. I pay {$40.00} every month, which is more than the minimum payment. I have never been late with any payment. I have written a letter to this company with no response. I have tried contacting their customer service number but it always goes to a voice mail and no one returns my call. I feel this company is unethical in that they do n't provide any statements to me and I have no idea what the balance is. They do not respond to any communications. And yet this debt appears on my credit report. How will I ever know that it is paid off? And it will appear on my credit report as unpaid.
Product: Checking or savings account

I am a customer of Chase bank. On XX/XX/XXXX I entered the bank branch located at XXXX XXXX XXXX XXXX illinois. Approx XXXX I conducted my transactions on the inside of the bank. I utilized the inner lobby ATM. I attempted to withdraw {$600.00}. My money was not dispensed. I immediately notified the bank staff. Initially I was told by the banker my money would be credited back to my account because the ATM would recognize that it failed to dispense the money. 
However the money was deducted from my account. The money was not dispensed Chase bank has failed to credit my account accordingly.
Product: Credit reporting or other personal consumer reports

I have provided documentation to Equifax and had sent them the statement of Within XXXX business days after receiving your submission, consumer reporting agencies must block adverse information that resulted from trafficking from appearing on your credit report. This rule applies to all consumer reporting agencies. 

I have had letters and documentation from Trafficking State Agencies forwarded to this company with no response and then them acknowledging the loan saying, I had paid. I was forced to pay it. I give all of my hard worked money to keep my credit stable even though it not my debt. I have XXXX XXXX children that I plan to purchase a home for soon into the future give our bad breaks we have been through in life. I also need a practical vehicle given all of mine and my childrens medical needs. So, I do my best to keep my credit in tact for the kids.
Product: Debt collection

It was all to easy dealing with other competent lenders, who updated my profile and coded my profile as a cease and desist account ( with the exception of what is required by law to be mailed to the confirmed address on file ). 

However, XXXX XXXX refused and demanded that they would only approved a formal written request. This lender refused to accept a verbal request to have the account coded as cease and desist. If this is not corrected soon, legal action will be reviewed.
Product: Credit reporting or other personal consumer reports

Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from Experian, XXXX and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.
Product: Student loan

The school had obtained my loan fraudulently and had someone posing as myself and taking classes with my name and using my loan money. The person also was refunded XXXX from my loan and I want this debt settled.
Product: Mortgage

I received a notification from Nationstar Mortgage informing me they had no record of my renters insurance for the coop apartment I own. Included was notice they purchased insurance in my absence, placed a balance due on my escrow account and intended to raise my monthly mortgage payment to cover this charge. I never received any prior notice of this, and I do in fact have current insurance I purchased from XXXX which I renew each year. After contacting Nationstar, a rep told me since they had taken over my mortgage from XXXX, some things were not settled and still being worked out, but they had no record of my coverage and claim to have contacted me previously by mail. I asked to e-mail proof of my coverage to them to resolve this, and they said it must be faxed. I asked to speak to a manager, was put on hold and hung up on seconds later. I faxed proof of my current, valid and fully paid insurance payment, with a letter requesting written notice of resolution of this matter, and have received no response. A follow up call to Nationstar resulted in me being hung up on XXXX without ever even reaching a rep after long waits to speak to a rep. I 've owned this coop apartment for over 7 years and never had any problem with this insurance issue when XXXX held my mortgage. It should not be my responsibility to fix Nationstar 's errors when they purchased my mortgage, but I have made a good faith effort to do so. Nationstar is difficult to contact, uncooperative ( how could they possibly refuse an e-mail confirmation of insurance coverage in this day and age? ), has failed to respond to my providing the required documents and has entered into an insurance contract to cover my property, without my knowledge or consent, which should be illegal. I am requesting that my account be cleared of this matter. I want the escrow balance removed from my account, the related intended mortgage payment increase to be removed and this insurance coverage purchased by Nationstar to be canceled, all at no cost to me as none of this is the result of my error. Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

I purchased an item through a seller and paid {$1000.00} in two separate transactions of {$500.00}. I sent the money through XXXX and the person disappeared and never sent my product. I tried to cancel the payment with XXXX and also filed a claim with WellsFargo. I am a XXXX so losing $ XXXX in a scam is very hurtful. Even more hurtful is how unwilling my bank is to help in this situation.
Product: Credit reporting or other personal consumer reports

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 unverified 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 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 inaction violates federal law and my rights as a consumer.
Product: Credit card

On XX/XX/XXXX my Chase card ending in XXXX was refunded {$1600.00} from a hospital vendor for a XXXX co-payment I made in XXXX on the same account with an earlier card that had since expired, and been replaced with this different-numbered card. 
On XX/XX/XXXX I called Chase and asked when the transaction would post to my account. The representative told me XXXX various timelines : immediately, within XXXX XXXX, or within XXXX business day. I asked this representative where the money was held before it posted. He did not provide that info. 
Approximately a week later I called Chase again and explained that the vendor had confirmed the payment was in Chase 's possession. The representative said that the vendor was " probably lying. '' I asked to be escalated to supervisors. The supervisor told me that refunds can take up to XXXX XXXX XXXX to post to my account. I asked why it had not posted yet, given that logic. She suggested it was a delay on the vendor 's processing, and that I should contact the vendor to request they claw back their money from Chase and pay me directly. 
On XX/XX/XXXX I called the vendor and requested they claw back their money and pay me directly. The hospital agreed to investigate their payment options. An hour after this phone call to the vendor, the payment posted to my Chase credit card account. 
On XX/XX/XXXX the vendor confirmed that since Chase had posted the transaction, they could not recover their money. 
On XX/XX/XXXX I called Chase and requested they send me the refund. Chase representative said that it could only be applied to future card balances. I explained that I would not spend any more money on the Chase card in question because of their behavior, and wanted the refund issued ASAP. The representative agreed to issue the refund within " XXXX XXXX. '' On XX/XX/XXXX I called Chase customer service, asked to speak to a supervisor and asked why I had not received the refund in the stated time frame. I explained that I had caught Chase in XXXX lies over this refund, and that I would accept the payment that day electronically. The supervisor agreed to investigate my concern on the call, and found that I had indeed requested the refund as I stated on XX/XX/XXXX in their records, but that the correct timeline was XXXX business days. I explained that I have asked throughout for written confirmation of my request, and that I did not believe Chase would return my money in a timely manner. The representative said that I should trust that they would issue me a refund by the XXXX business day and that my online account would reflect a XXXX balance. 
After the XXXX XXXX XXXX passed on XX/XX/XXXX, I do not see a XXXX balance on my Chase online account, no notice has been sent of a pending refund payment, and I have had no contact from Chase nor have I received a paper check, so I am using this complaint process to attempt to recover my money from Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with XXXX and was removed from my credit report only to come back as a collection account by XXXX XXXX, I have never received any validation of debt because I have never lived at the address of the alleged account, leave contacted XXXX to inform them of the collection account I was informed that the account is no longer owned or reported by them I should contact XXXX XXXX for removal and I have been back and forth for the past 4 years. 

Fraudulent unauthorized credit inquiry by XXXX XXXX XXXX card services.