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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In 2019 I had a XXXX, I paid all my bills. During that time I received a letter from insurance that they have paid almost {$3000.00} for a device and I owe {$900.00}. I contacted the insurance and my doctor. My doctor office say I dont owe any money. I didnt receive any bills from medical supplies until now that Assured Financial LLC claims that I owe {$950.00} for a device that I never received. 
I call them to resolve the issue but they told me you need to pay, we dont care we are collector we get pay by hours, why you are calling if you are not going to pay. And ignores me saying I didnt do business with XXXX XXXX XXXX and my party is my doctor which says I dont owe.
Product: Credit card or prepaid card

On XX/XX/2018, I traveled out to the country. Due to certain circumstances, I was there for about 2 years. I came back all of my credit cards were maxed out and loans were taken out in my name. Two incidents involved navy fed. 

Navy Federal loan {$7400.00} Navy federal credit card {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of the results of the investigation which I have attached regarding the XXXX XXXX XXXX XXXX account appearing on my credit report per Equifax says on investigation results they claimed the account is not appearing on my report however I just pulled my report and XXXX XXXX XXXX XXXX XXXX account is still appearing on my report and still doing damage to my reputation. I ask that you please remove the account as soon as possible from my report and send me a confirmation after doing so please stop stalling and claiming account is not on my report when it clearly is reporting. That is a clear violation of the FCRA if not play misrepresentation of the facts. Remove a XXXX XXXX XXXX XXXXXXXX for my credit report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

Made payments on my husbands XXXX XXXX XXXX XXXX through the XXXX XXXX APP. My husband and I in our Joint PenFed Credit Union XXXX XXXX XXXX Account had MORE THAN SUFFICIENT FUNDS to make all the payments! 

Yet someone at Pen Fed Cr Union ET AL, caused my payment to he REJECTED SEVERAL TIMES then they ( PEN FED CR UNION ET AL ) CHARGED our checking account their version of an OVERDRAFT FEES same day {$10.00}. 

This causes extreme EMBARRASSMENT and is ILLEGAL Preventing us from paying our Bills ON TIME by them rejecting payments and charging illegal OVERDRAFT FEES. Plus an APOLOGY WRITTEN LETTER ONE TO XXXX  XXXX XXXX XXXXL & ONE WRITTEN LETTER OF APOLOGY TO MY HUSBAND AND I, along with a {$100.00} ( XXXX XXXX XXXX  ) ONE TIME payment from PEN FED TO my husbands XXXX  XXXX XXXX XXXX Credit Card to make up for all the PROBLEMS THEY CAUSED US.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute over 30 days ago and I have not received any information about the investigation of the dispute that I have file.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 a scammer posing as my girlfriend on the app Venmo requested {$400.00} stating that they needed it for groceries and because they left their wallet at home and that they would pay me back. The scammer used my girlfriends name and profile picture. I sent the {$400.00} because I thought it was my girlfriend. I reported this as fraud to Venmo and all they have done is continue to blame me and state that there is nothing they can do. They said they would investigate the issue but also said I would never be issued a refund if the money could be recovered. This is NOT okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX FAILS TO REMOVE THESE INQUIRIES FROM MY CONSUMER CREDIT REPORT AND I HAVE DISPUTED THEM MULTIPLE TIMES AND I HAVE EVEN SENT THEM THE LAW THAT SHOWS THEY ARE IN VIOLATION AND THEY KEEP IGNORING MY REQUEST. 

15 U.S. Code 1681b - Permissible purposes of consumer reports 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( NOTE : PRIVACY ACT OF 1974! )
Product: Bank account or service

The amount of the check was for {$1700.00} the amount in the account was {$1300.00} the account did not have enough money to cash this check. I put down for 2 mortgage payment instead of 1 my fault. This amount is over NOT by {$100.00} or {$200.00} or {$300.00} but over {$400.00}. The check should of went in as a NSF {$36.00} charge to the account and not cause my account to roll over and over with NSF fees. I am requesting that the NSF fee be removed from this account. This will not happen again I 'm putting my mortgage on auto pay.
Product: Credit card or prepaid card

I discovered that my card had been stolen when I received a bill in re to purchases made. I have always paid my account payments on time without issue and in XXXX paid the account in full. I have not used this card since that time. 

There were multiple items purchased including those that were delivered to an unknown address. The store has denied my claim of fraud stating that the purchases fall within my purchase pattern. Prior to these purchases, the card was rarely used and used last in XXXX, 2018 for XXXX items for children. I did not make any additional purchases. At this point, it has been almost two months. Total amount of fraudulent transactions is {$390.00} PLUS INTEREST and FEES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card charge off inXX/XX/XXXX with XXXX XXXX XXXX. I paid a settlement of XXXX to XXXX XXXX in XX/XX/2019to clear all balances and to have it removed from my credit report. InXX/XX/XXXX of XX/XX/XXXX they began reporting that I have a late payment which hurt my score. For the last 2 months I have sent receipts and proof that I paid this balance but its been reported to Experian for XXXX as well that I am delinquent when I am not.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 Checkr and XXXX initiated a background check for employment and contract opportunities, upon this report being ran it was done so in a very untimely unprofessional and unlawful manner, Checkr the background check company took a total of 2 months just to inform me that the report had been cancelled, Checkr and XXXX also fabricated stories about it being delays on criminal information, Ive never been charged or convicted of any crimes but was repeatedly told by XXXX and Checkr that they were waiting on criminal information to come back, the key factor is that I applied for XXXX around the same time I applied for XXXX, when XXXX ran my background check it only took 3 days versus XXXX taking two months, all the information on my XXXX  background check was correct and I was able to go online and drive on the platform, my question to Checkr is how did I get two different background reports from the same company why wasnt XXXX informed about me having a clean background and Motor Vehicle Report FCRA And Privacy Violations Checkr background report was never sent to me the beneficiary and or implied surety Checkr background report took longer than 30days it was cancelled and never completed Checkr background report was never provided back to XXXX the company I applied for Checkr provided two different background reports the XXXX report was revised and completed the other report that was ran for XXXX was cancelled for undisclosed reasons Checkr background report gave a false representation of my creditworthiness
Product: Checking or savings account

Dear Sirs, I come to you as aXXXX XXXX  XXXX vet on a fixed income. I have an account with Truist Bank, formally BB & T. I noticed an increase in NSF charges over this last year. Unfortunately, i have had many catastrophic issues in my family which consumed my time. As a result, I've placed my bills on budget pay to facilitate the necessary payments due. Here is the latest issue : On XX/XX/22 I had a balance of {$470.00} in my account XXXX. After charges totaling {$76.00} were paid, i was charged 3X {$36.00} in NSF fees. As i had time that day, i started researching my checking accounts XXXX & XXXX. From my statements for XXXX 2022-XXXX  2022, i found that i have been charged a total of 24 NSF fees XXXX a total of {$820.00}. 
1.Truist has a policy of notifying clients within 24 hours ( grace ). I have never been notified, thereby allowing me to add the necessary funds, although they have my updated ph # & email. I would generally get a mailing some 4-6days AFTER charges have been applied. Upon calling the bank, I would be told they can't refund the fees applied. 
2. I have 3 direct deposits : My husband 's employer, my SS and my VA XXXX. I have found that these NSF charges have been applied when the funds have been available or are due for deposit.Truist banking system will show a positive balance and during the course of the day, the positive balance would change to negative balance, causing accounts to be charged overdraft fees. They run all my pending bills into the negative, then charge my direct deposits multiple NSFs consistently. 
3. I have called multiple times and have been told that i have authorized overdraft protection which gives them the right to charge NSFs. However, according to their policies, my accounts should therefore be covered as there is always funds in either one or the other account. 
4. I have spoken to multiple Customer Service Reps since XXXX, only to be told, it is in the bank 's authority to charge the fees. Since XX/XX/22 alone, after continuously calling Truist and leaving messages twice daily, i have still not received any callbacks on this matter. 
I am asking for your help in this matter as i am unable to fight these predatory actions alone. 
Truist 's banking practices have made me suffer great loss and stress, while Truist is pocketing money from these fees. My contact information. XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have filed disputes with all three credit agencies to have this tax lien removed from my public records. They all responded and said that it was updated to satisfied but will continue to remain on my credit report. I have the expungement letter. According to my research when I have this letter it is supposed to be removed COMPLETELY.
Product: Debt collection

First in their letter dated XX/XX/2023, A.R.M. Solutions claims to be a debt collector on behave of XXXX. They did not state these requirements : - That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid - That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt I had a propane tank removed by XXXX from my property. It was on the property when I purchased it. Since they removed their tank, they are saying that I owe them for removal. I never agreed to this nor signed any contract and told them that I would not pay. They tried to tell me that I have to abide by their rules that they sent me after I disputed their bill. I told them I never agreed to them nor signed the contract they sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a 3 letters regarding fraudulent accounts on my credit report. To this day over 60 days later and I still have not received a response yet. I like im being take advantage pf and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I was also affected by XXXX  breach and ive been getting alert that my information was compromised on the dark web. I have never done business with these companies and i am asking that these fraudulent account tp be removed. I have attached my Drivers license and the FTC reports
Product: Debt collection

While doing my weekly credit report check on XXXX XXXX, I found a collection on my account which was odd because I pride myself on not owing anyone ( accept XXXX XXXX but thats another story ). 

It says the original creditor is XXXX XXXX, but I've never signed up for cable. I don't even watch cable television because I have XXXX. For it just now to be going to collections, someone must have signed up for something in my name earlier this year ( {$76.00} balance - opened XX/XX/2018 according to XXXX XXXX ). I don't understand how or why someone could do this, this technology world we live in just is not safe anymore.
Product: Mortgage

We currently have a mortgage with Cardinal Financial Company , Limited Partnership. We purchased our home XX/XX/XXXX. Our initial mortgage payment was {$2300.00}. We filed our homestead for the property taxes in XX/XX/XXXX which was {$2100.00}. The company analyzed our escrow account in XX/XX/XXXX stating it was short due to the property taxes going to be {$2900.00}. The amount was {$2900.00} but when we filed homestead it came down to the {$2100.00}. We forwarded the necessary paperwork to the company showing that the payment was {$2100.00}. They confirmed that they received it ; however they stated that the paperwork wasn't sufficient enough. They took our mortgage payment up to {$2400.00} and we started that payment in XX/XX/XXXX. We continued to make our payments. In XX/XX/XXXX they paid the {$2100.00} for our property taxes instead of the {$2900.00}. But in XX/XX/XXXX they analyzed the escrow again by anticipating that the property taxes would be {$2900.00} for the XXXX year. We contacted them on today XXXX XXXX and was told we have to submit the homestead paperwork every year. In the State of MS , you only have to file homestead once. They are over charging our escrow account and owe us a refund.
Product: Credit card or prepaid card

This new complaint is in connection with case # XXXX related to a payment on my credit card account ( XXXX ) that Comenity is alleging was found on a close account. This payment was made on XX/XX/XXXX and the money was found on XX/XX/XXXX. Therefore the bank held onto my money for 130 days. I reviewed the status of my account for notes that were made as of XX/XX/XXXX and I am not being properly compensated for the interest that should accrue to me using a 17.24 % credit card interest rate. What is reflected on my By 's credit card accounts ( serviced by Comenity Capital bank is a return of finance charges in the amount of {$180.00} which is not acceptable. Using the interest rate charged to customers ( 17.24 % ), I am due a minimum of {$400.00} using a simple interest rate calculation.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months back I requested my credit report from XXXX, XXXX and Transunion. I found multiple discrepancies listed on my credit file after recalerts that my information was found on the XXXX XXXX  with these agencies. That included places that I have never lived incorrect spelling of my name and accounts that do not belong to me. The last four of my social security number being incorrect also. I went through the process of trying to have this information removed. I also submitted letters to them asking them to verify the information. They sent me the responses back may be about a week after submitting complaints to them stating that the information may be correct. I feel they didn't do a thorough investigation into the matter. I sent each copy certified return receipt. I still did not get any results because it cost {$8.00} each time you send return receipts and over time that gets expensive. XXXX charges {$24.00} for a credit file lock and that gets expensive also.
Product: Mortgage

Our office would like to accelerate this file to the investor of the loan. We do not believe that the investor is aware of a down payment offer made during the last modification request of {$100000.00} We understand, as per the denial, their contractual payment will increase should the modification be approved however, our clients are now generating the necessary income to sustain the higher payment. Mr. and Mrs. XXXX are doing very well with their finances and have offered a down payment of {$100000.00} in efforts to lower the amount that is owed to Midland Mortgage. Although they can sustain the current or a higher PITI payment, they do not have the ability to reinstate the loan. Thir current escrow shortage is on or about {$150000.00}. 

As per our records our clients unpaid balance with arrears is on or about {$810000.00}. Should our client be allowed to keep the current deferment of {$220000.00} with a down payment of {$100000.00} the interest bearing portion of the loan would be on or about {$480000.00} yielding an estimated monthly contractual payment of {$5200.00} ( PITI ) if allowed to have a 30 year maturity. Although this is higher that their previous payment, our client has the ability to sustain the higher payment. Our client has sustained a bankruptcy trustee payment of {$5700.00} per month proving that they can sustain a higher payment. 

If our client is provided with a waiver and allowed to receive a deferment for some or all the arrears, they will be able to resume their mortgage payments to Midland Mortgage. If possible, moving the maturity date to 30/40yrs at a lower interest rate, the payment will be affordable. This waiver would allow our client to resume making their payments and save their home. Our clients are devoted to saving their home and keeping it in their family indefinitely. 

Mr. and Mrs. XXXX became delinquent on her loan due to circumstances outside of their control. Although they were modified in the past, they suffered additional hardships forcing them to default again. Their hardship is now over. Unfortunately, they encountered a temporary loss of income and unforeseen extensive property damage due to hurricane Sandy and hurricane Irene forcing them to default on their loan. They depleted their savings trying to keep current however, they were not able to keep up. Our clients are now employed full time and can resume making their payments should a waiver be granted. 

Our client is committed to paying their debt to Midland Mortgage and the current investor of their loan. If they are given the opportunity to resume their payments, they will not default again. Thank you for your time and consideration in this matter. I can be reached at XXXX Monday through Friday XXXX XXXX  to XXXX XXXX Eastern Time or by email at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX WFDS Date of Inquiry XX/XX/XXXX ALLY FINANCIAL Date of Inquiry XX/XX/XXXX NCCINC/MERCEDES-BENZ O XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX 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 XXXXR : XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX