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

In accordance with the Fair Credit Reporting In accordance with the Fair Credit XXXX XXXX  Account # XXXX is violating 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. Code 1692c - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S. Code 1692b - Acquisition of location information - Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted Equifax about the following negative accounts XXXX ( Account # : XXXX, Date Opened : XXXX/XXXX/2022, Balance : {$380.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

Hello, paypal limited my account without any reason. 

I havent made anything wrong and yesterday the system place a limitation. 

Them ask me about something that i never do with my account. 

I just use my account for buy in XXXX. 
And i just have 1 trasaction for XXXX dollar. 

I do not sell anything My account is personal. 

But now paypal use arbitration to limited permamanent. 

My email XXXX XXXX
Product: Checking or savings account

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

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

XXXX  Account # XXXX  has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Product: Credit reporting or other personal consumer reports

Never open XXXX  account nor XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never on account identity is being use fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED THIS MONTHS AGO AND THEY'RE SAYING IT'S ACCURATE BUT I'VE NEVER BEEN TO COURT IN XXXX XXXX. XXXX XXXX XXXX LA XXXX XXXX NEEDS TO BE REMOVED.
Product: Vehicle loan or lease

In XX/XX/XXXX, I paid {$700.00} to Santander Consumer USA on my car. The amount paid brought my account current. InXX/XX/XXXX I received notice that my car note was behind $ 1500+ dollars, and that I was 4 months late. When I contacted Santander about this issue, I was informed that the last payment they received from me was in XX/XX/XXXX and that I did not pay in XX/XX/XXXX XX/XX/XXXXor XX/XX/XXXX This information is inaccurate, and it still does not explain where the extra 4th month payment is missing from. <P/>I 've spoken with representatives, managers, supervisors and no one can seem to get my account correct. The issue of this account has dated back to XXXX, when I set my account up on a reduced payment plan due to a family emergency. At the time I set my payment plan up, I was informed that it would be good for 6 months, and at the end of the 6 month, my regular monthly payments would resume going into the 7th month. When I noticed that the company was still taking out the reduced payments, I found out that I was to contact the company and request them to change the reduced amount back to my regular payment amount. <P/>Santander Consumer USA has not appropriately applied the car note payment to my principal, and they are not accounting for all of my months payments. I am not the only consumer who is facing this issue. If you check out XXXX reviews, 1.6 star ratings overall is what the company has received.
Product: Mortgage

Bank of America was not applying our payments to our Loan. This was proven by our Payment Histories. This is the same thing about the Origination date. We built our house in XXXX. That's the Originated date, not XXXX. The biggest FRAUD!! took place during the Closing of refinance on XX/XX/XXXX with my husband XXXX XXXX XXXX. The Closing took place around XXXX XXXX  that night. He had just gotten off from work and when he walked in he was expecting XXXX. My husband was never told that XXXX XXXX  was refinancing the Loan. He was never told Bank of America was during the refinance. My mother was in XXXX XXXX on life support and I didn't go with him. It was him and a XXXX lady just the 2 of them. He said the Document Wavier of Borrower 's Rights was never explained. A document that allowed Bank of America to take our house anytime they wanted to. NO!! he said he never heard that statement before and he would have never signed a statement like that. Some of the documents that I have copies of HUD 's Loan numbers and Case numbers are blacked out except for the last 4 digits. On some of these documents. My original copies are not blocked out. I filed a Lawsuit against discrimination against XXXX XXXX in XXXX. My family was XXXX. The next thing that happens was my husband worked at XXXX XXXX. He got a call and they told him to bring the train in. They said my husband ran a signal and the camera didn't take a picture, it was broken. The conductor didn't call a signal. That's the person who calls out the signal. They suspended my husband for 2 years. He went back to the tractor-trailer driver. The conductor went back to work in 2 weeks. 
My husband was an Engineer with XXXX XXXX. He was bringing XXXX {$7000.00} a month. He was employed there for 10 years. I also discovered this house was in foreclosure twice in XXXX and XXXX. I also found out you don't have to go through the foreclosure procedure you can put it in without notice. We built this house in XXXX the FHA XXXX no. is XXXX. This is a new construction in XXXX XXXX XXXX XXXX XXXX XXXX Sun XXXX Mortgage XXXX XXXX We never miss a mortgage payment. Bank of America would not allow HUD or XXXX to help us find the problem with this Loan. XXXX and XXXX XXXX will pay to have a Forensic Auditor to Audit this LOAN
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, the FCRA requires furnishers to investigate consumer disputes filed with the credit reporting agencies about the information the furnishers provided.

Section Sec. 623 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I have contacted TransUnion multiple times in regards to these unverified, inaccurate, and erroneous accounts, but they have refused to fix these errors.
Product: Credit reporting or other personal consumer reports

I have been trying to communicate with Citibank cbna for over a year, an unauthorized Transaction for XXXX was put on my card that I didnt ask to do, my limit was only XXXX, why would I charge that amount and its a secured card I purchased, after telling them this, they have reported to credit agency, information is wrong and my Im In titled to my privacy and if chargers was unauthorized, my personal account was hacked and fraud was done on it as well and also alerted citi bank by information was compromised and fraud was done and needed help, with personal Acct # XXXX and credit account # XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

On Thursday, XX/XX/XXXX, I made a digit error and charged {$47000.00} instead of {$470.00}. I have XXXX, and although these occurrences are becoming rarer, they can still happen to me. I promptly contacted Bank of America Merchant Services to rectify the error, and they instructed me to process a refund. Despite complying, I was still charged {$1600.00}. During my numerous attempts to resolve this, well over ten calls were made to their customer service. Despite confirming the refund 's effectiveness and no corresponding deposit into my account, they adamantly refused to provide any written notice regarding this issue. 

Subsequently, on XX/XX/XXXX, I received a call stating that " their colleagues '' at Bank of America had decided to refund us {$420.00} as if it were a favor. This amount greatly differs from the {$1600.00} charged earlier, leaving us perplexed. I emphasized my confusion over being charged a fee for money I never received and requested a written notification via email, to which they claimed inability to provide. 

As a nonprofit, this financial discrepancy significantly impacts our operations. While acknowledging my initial mistake, I promptly contacted Bank of America Merchant Services within a short time frame ( less than 15 minutes ), followed their instructions, yet was still charged erroneously. Therefore, our organization is earnestly requesting a detailed written explanation or a complete refund to rectify this situation promptly.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of this bankruptcy on my credit report, as I have a letter from the court confirming it should not be reported. Additionally, an unauthorized third party is involved, which only adds to the seriousness of this situation. I do not consent to any fraud alerts being added to my file. I did not authorize, benefit from, or consent to any of the listed accounts from these companies. Please block and remove them immediately, as I have no knowledge of these accounts due to the Equifax and XXXX data breaches. All matters will be investigated by the CFPB and FTC. According to FCRA 605B, this information must be blocked until the investigation is complete.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXX  XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX
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 AUTO Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX BANK Account number 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: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX F.H. Cann & Associates , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Demand Regarding Alleged Debt Reference XXXX XXXX  Dear F.H. Cann & Associates , Inc., This letter serves as formal notice that I dispute the alleged debt associated with the above reference number and demand that you cease and desist all communication and collection activities related to this matter immediately. 

Violation of Debt Collection Laws Upon review of your correspondence and alleged collection practices, I believe your actions violate multiple laws, including the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and other federal statutes, as follows : 1. Improper Assignment of Debt ( 812 ( a ) ) The letter you provided names XXXX XXXX XXXX XXXX as the original creditor. However, it appears that XXXX XXXX no longer owns this debt. If the debt was transferred or sold, your attempts to collect while referencing XXXX XXXX create a false and deceptive belief that XXXX XXXX is still participating in the collection effort. This violates 15 U.S.C. 1692e and 812 ( a ).

2. Extortionate Practices ( 18 U.S.C. 894 ) Your attempt to collect on this alleged debt, without proper proof of ownership or authority, amounts to extortionate practices. Under 18 U.S.C. 894, the use of any implicit or explicit threat to collect an extension of credit by improper means is strictly prohibited.

3. Failure to Provide Proper Validation Pursuant to 15 U.S.C. 1692g, your notice fails to meet the required standards for debt validation. Specifically : It does not adequately validate the debt with clear evidence of ownership and a full accounting of the alleged amount. 
It does not provide proof that you have the legal authority to collect this debt, as required under federal law. 

Demand for Immediate Action 1. Cease All Collection Activities I demand that you immediately cease and desist all communication with me regarding this alleged debt. Any further contact, including phone calls, letters, or other communications, will be considered harassment and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities.

2. Drop All Debt Collection Actions If you can not provide indisputable proof of your legal authority to collect this debt, I demand that you drop all collection actions and update your records to reflect that no further action should be taken against me. 
3. Provide Proof of Ownership and Validation If you intend to continue pursuing this matter, you must furnish : Documentation proving that the alleged debt is valid, including a signed agreement or contract ; Evidence that you lawfully own or have been assigned the debt ; A full accounting of the alleged amount owed.

Notice of My Rights Under the FDCPA, you are prohibited from contacting me further unless you can fully validate the debt and prove your legal authority to collect. 

Sincerely, XXXX XXXX
Product: Mortgage

CMG Mortgage Company verbally approved an XXXX agent to open a home insurance policy on my behalf without my consent, even though I had explicitly informed the XXXX agent that I would be using State Farm as my insurance provider. Despite my instructions, CMG Home Loans proceeded to pay the annual insurance premium to XXXX twice from my escrow account. I only discovered this issue when I was contacted by XXXX XXXX regarding a missed XXXX  premium payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Navient in  XXXX  of  XXXX  about my student loans, to say that I was going back to school and that I could n't afford payments. I was told I was in a grace period and that I would notified when a bill was due so that I could call back and have my loans defferred or placed in forbearance. She also told me she would note my account so that they would know I am placing my account in forebarance once the grace period ended.     I was never contacted bout a payment being due. I was never told my payment was late ; I was n't told it was 30 days late, 60 days late, or 90 days late. In  XXXX  of  XXXX ,  Navient  put  9  negative charges to my credit report. I contacted them and told them they never contacted me about a bill or told me that the bill was late. I had n't received anything from them. First, the lady tells me she mailed them. I told her I 've been living my house for 15 years, you did n't mail me a thing. Then she switches and says that they emailed me, I told her that they didnt do that either. She then tells me to dispute it and explain. I did!  Navient  has basically been telling me these past few months that they are not taking it off my credit report. I have asked for proof that they tried to contacted me and after telling me numerous of times they would, they basically said that they wo n't. I was also told that they called me, but they did n't do that either and I check my phones records to ensure that.     I got a call on  XXXX / XXXX / XXXX  from Navient and the representative basically told me he wo n't remove it from my credit report because I am in the wrong. Under their policy they are suppose to contact me when the bill is past due before they report it to my credit and they did n't. They are basically abusing their power, telling me they do n't have to prove to me they did anything and they do n't have to remove anything from my credit report. He also made no sense with their policies and basically told me to deal with my new bad  credit score !     I have done my research on this company, they are abusive to their consumers. REMOVE YOUR LOANS FROM THEM IF YOU CAN! They are not down to help, they do nothing but lie and  XXXX  people over. Its bad enough that we live in a country where we have to go in debt to get an education, now we are getting screwed over even more by having poorly ran companies like  Navient  messing up our credit!
Product: Mortgage

I had a home builded in XX/XX/XXXX started have problems with the home the builder trued to fix the problems about 10-15 times but the same problems come right back call to get a inspection of the home and the inspection reports States that the home was builded improperly the builder used 2x 4 to frame the first floor instead of the required 2x6 or 3x4. This cause inadequate support of the home also foundation was misaligned when home was constructed I can go on .I have reports done on the home by XXXX XXXX XXXX reports dated XX/XX/XXXX, reports by XXXX XXXX XXXX XXXX, XXXX XXXX called out by XXXX XXXX XXXX companies and a Engineering reports done XXXX XXXX XXXX, XXXX, XXXX  Hired by my lawyer. Why coming to citimortgage is that injury and damages to the value of the property never finish the parking lot no trash pick no Black top on the road .I sent citimortgage all reports Pictures Of how the Community has not been finished how there appraisal of the homes are wrong also your appraiser never came out to XXXX overlook I do believe because we have five homes own by citimortgage that have big problems going on.Citimortgage is not try to help people are going to loss there homes because they cant afford to pay mortgage for homes that not value at the price citimortgage give us for something that knot Complete homes builded the wrong way the builder walked away 6years still have take your trash to the next block to have it pick up citimortgage is just as bad as the builder get taking money from people who by robbed by the builder the city of XXXX and citimortgage all first time buyer citimortgage sent me and my neighbors a letter saying they sympathize with us but citimortgage cant help us this letter came from XXXX XXXX Executive Responses Unit dont care about us .Citimortgage came out to the property and done a inspection and will give me a copy of this inspection reports tell me I have to get my own inspection reports you know XXXX XXXX didnt read anything to say this because I sent citimortgage 5 inspection reports I payed for when people try to call them they tell them we can help you this customer service I send e- mails to XXXX XXXX, Chief Executive officer of citimortgage and XXXX XXXX, chief Executive office of citimortgage me my neighbors never got anything back from them to end this letter a lot of first time home buyers going to lose there homes not because they cant afford because they was taking vantage Of by the builder citimortgage and the City of XXXX I been fighting for 6 years need help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2016 Balance : {$650.00} Company AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX I don't not know this company, I did not do business with this company nor have I given them the permission to use my information. I would like this debt completely removed from my credit report. Thank You!
Product: Debt collection

After a detailed review of my credit report, I noticed several incorrect accounts that were added without my consent.