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

XX/XX/2024 15 USC 1681 SECTION 602 There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. I am a consumer of your reporting agencies services and have the right not to have my private information shared which is backed by 15 USC 6801.It is the policy of 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.

15 USC 1681 SECTION 604 ( a ) SECTION ( 2 ) states that in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the with the written instructions of the consumer to whom it relates. The Consumer reporting agencies Equifax & Experian and the financial institution do not have my consent nor my written consent to present this information. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. The Furnisher of information to credit agencies never informed me of my right to exercise my non disclosure option.

15 USC 1681 ( c ) ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my premission which is against the law. 15 USC 1681s-2 ( a ) ( 1 ) ( a ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 ( e ) Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sections 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Mortgage

I have been working with my mortgage company First Guarantee Mortgage ( FGMC ) since I applied for the loan XX/XX/XXXX. I was approved for a XXXX close FHA construction loan XX/XX/XXXX and still have yet to receive the final draw on the loan. I have been reaching out very regularly to the company and struggling each and every time. XXXX XXXX the draw administrator refuses to answer my phone calls and I lave her voicemails and she just emails me back when I just need to talk to someone. For over two weeks now I have been working with them to initiate the final draw. They will not provide me information on how to secure an exterior door that we will not be using in order to make it acceptable for the FHA loan. No one will put in writing for me that I will not lose my interest rate that I have been verbally told will not be lost due to this delay. I have had to initiate all contact with the company and no one follows up with me unless I call and get upset.
Product: Credit card or prepaid card

I have repeatedly been billed for merchandise that I have never ordered or received. 
I have spoken with the merchant 's customer support department on several occasions and they tell me that their computer system shows that someone submitted an order using my credit card number and an address that I haven't lived at in six ( 6 ) years. They claim that they do not store records of orders so they can't provide me with any proof that I placed such an order. 

On XX/XX/XXXX I contacted my bank regarding these fraudulent charges. They reversed a few of them from XXXX but continue to allow this merchant to charge my credit card on a monthly basis even though I informed them that I did not authorize these purchases. 

On XX/XX/XXXX I again contacted my credit card company and submitted a dispute to these charges. On XX/XX/XXXX they wrote me telling me that the merchant claims that I requested this merchandise. They also tell me that they won't reverse the charges. They had the unmitigated gall to tell me to read the terms and conditions of a merchant that is processing a fraudulent order. They refuse to block further charges or reverse the charges for merchandise I am not receiving and did not order. The idea that the merchant doesn't maintain or store authorizations records because they are an online merchant is nonsense and irreverent. I do not live at the address where this merchandise is supposedly being delivered. I did not order the merchandise. I did not authorize any person to order this merchandise.
Product: Credit reporting or other personal consumer reports

Please see the attached XXXX  form and response letter from XXXX XXXX  and remove the account XXXX XXXX XXXXXXXX from my credit report. This will be my last attempt at fixing this error. XXXX has since removed this account. I am requesting that you follow suit and delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two certified letters to Equifax requesting my free annual credit report. I sent a copy of my passport, my social security and as a utility bill, I sent my XXXX car insurance statement. I live with my parent and I do not have any other utility bill in my name. I am trying to change my address with the credit bureaus and Equifax continues to refuse to provide to me a copy of MY credit report. I have provided documentation regarding who I am using legally accepted methods. Unfortunately, I am unemployed and can not and furthermore, will never provide to a credit bureau, a copy of a paystub. There have been so many security breaches with the credit bureaus, that I am afraid to provide too much personal information. The fact that I have sent two requests via certified mail demonstrates the fact that I need to obtain and have the credit bureaus change my address to the new address I have provided. I need to receive and review my credit report because I also need to find employment.
Product: Credit card or prepaid card

I had booked a flight using my Discover credit card on XXXX for XX/XX/XXXX from XXXX to XXXX. It was a XXXX XXXX XXXX. 
The flight got cancelled four hours before the departure. 

I called XXXX XXXX asking for my refund, they told me to contact the Airline directly. So i called up XXXX XXXX and they asked the last four digits of the credit card number XXXX XXXX used to book my flight ( note that it was not my discover card ). 

So i called XXXX XXXX  again asking for the last four digits of the credit card number again and they told me they can not provide it and asked me to contact the airline again. 
I called up the airline again and even they told me they can not help me here. 

The flight never flew and i never got the service and now these companies are not refunding my money. So i reached out to my credit card company DISCOVER to file a dispute and they straight told up they can not dispute it. So none of these three companies are helping me to get my money back.
Product: Vehicle loan or lease

I was told I could change the date of my loan payment after the first payment was made so I called the agent as I was directed to and I set it up with a woman sadly to say I do n't remember her name but I 'm sure they would have some kind of record of it I told them I want to move my pay date to the XXXX and unfortunately that did not happen I 've been having problems with this loan company credit union since I bought the car they do n't have my right birthdate my maiden mother 's maiden name is wrong it 's been a complete nightmare so thinking I 'm making my payments on time with the 10-day grace. Actually it looks like I was late on my payments that is ridiculous and I 've talked to several people at the Golden 1 and last time I talked to somebody they said they took care of it obviously not because my credit score drop drastically. Also I had an incident with the water company where my mail was stolen and I had no idea that the bill was due super busy and it 's the last thing I even ever expected the previous tenants went down to the post office and put some kind of vacation hold on our mail and of course being very busy it just weeks went by and sadly to say I was n't keeping track and she was collecting our mail so again another late charge
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Transunion is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the account listed ( XXXX  XXXX Acct # : XXXX late payments of XX/XX/2017, XX/XX/2017, XX/XX/2017, XXXX, XX/XX/2017, XX/XX/2017, XX/XX/2017 ) be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission XXXX  furnish theses accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Product: Debt collection

Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. 

I XXXX, XXXX XXXX ( Beneficiary ), consumer, natural person, and original creditor of an open end credit plan have been violated with a blatant disregard for my rights by Santander Consumer USA. This company is violating a Cease and Desist Order they have claimed to process in communication with me, specifically 15 U.S.C. 1692a ( 2 ) as they continue communication through third parties being consumer reporting agencies in essence not ceasing all communication with i the consumer as consumer reporting agencies are a medium of contact. These actions have gravely damaged my reputation as well as harmed my confidence in the banking system as a consumer. In addition the assignee ( XXXX XXXX XXXX has failed to CC my Right of Rescission under Title 15 U.S.C. 1635 for the security interest given in the null in void contract ( see attached document ). According to the Truth In Lending Act as well as the Equal Credit Opportunity Act 15 U.S.C. 1602 and 15 U.S.C. 1691a, as an consumer, natural person, and original creditor to an open end credit plan i have disputed this alleged debt and have yet to receive any verification under 15 U.S.C. 1692g that i am liable to you for anything. The Finance charge under 15 U.S.C. 1605 was paid at signing ( where you were not present as you weren't at any part of the contract ) and in fact was not properly accredited and applied to the consumer as insurance was not included ( see 15 U.S.C. 1605 ). For further clarity on my position as a Consumer and Original Creditor See ( 15 U.S.C. 1602 ( g ) & ( i ) as well as 15 U.S.C. 1692a ( 3 ) & ( 4 ) ). This company also violated the Fair Debt Collection Practices Act under 15 U.S.C. 1692e ( 4 ), 15 U.S.C. 1692b ( 2 ) & ( 5 ), 15 U.S.C. 1692d ( 1 ) & ( 2 ), and 15 U.S.C. 1692f ( 6 ) ( A ) & ( 8 ) in the communication they sent me stating they processed a cease and desist. Santander Consumer USA is now civilly liable up too { {$8000.00} } pursuit to 15 U.S.C. 1692k, { {$5000.00} } pursuit to 15 U.S.C. 1611 and { {$5000.00} } pursuit to 15 U.S.C. 1640 ( A ) ( i ) totaling at { {$18000.00} } in which Santander Consumer USA is civilly liable to pay me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$34000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX Balance : {$8700.00} ; XXXX XX/XX/XXXX XXXX
Product: Mortgage

I received a tax invoice from Treasurer, XXXX County, VA on XX/XX/XXXX. I contacted the county and XXXX XXXX  XXXX/Assurance Financial on XX/XX/XXXX. On XX/XX/XXXX, I received another invoice from the County showing the taxes not paid with late charges added on. I contacted the Treasurer 's office and was advised that they had sent two additional letters to the mortgage company. The tax was not paid. 
I have called XXXX/Assurance 30 times beginning XX/XX/XXXX. On four occasions i was told by a customer service supervisor that I would be contacted in 6-10 business days. No one has ever called. 

The money is in my Escrow account. This is a refinance. The persons I spoke to at the mortgage company acknowledge that the money is there. 

I called today XX/XX/XXXX and was told again that the case would be expedited and that I would receive a call in 6-10 business days. 
The only information I have received is 2 form letters acknowledging receipt of my inquiry, telling me that they will respond to my inquiry " within the time limit required by law ''. I don't know what the law requires. Not helpful at all,
Product: Mortgage

My mortgage has become very confusing. I paid tge total of XXXX. For the forbearance however the payment continues to not be processed and ignored. The company is continuing to try to destroy me financially. I have NEVER MISSED a payment in over 5 years. 

I suspect that the mortgage companies are preying on me and trying to ruin my credit and take my home. 

It will NEVER HAPPEN. XXXX will defend me. Before I lose anything the culprits will lose everything. 

I am a retired military veteran, a former XXXX  XXXX and a XXXX. 

This is a miscarriage of justice. 

I will use EVERYTHING in my power to fight against this incredible horrible disaster of injustice.. 

What is their problem?
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A numbers been calling my whole family. Saying I owe a debt from XXXX Threatened me with a civil suit and I need them to stop please help
Product: Payday loan, title loan, personal loan, or advance loan

Affirm has denied credit on multiple occasions based on old outdated information that I have requested that they update as it does not appear on any credit report. I have included the most recent denial. They state that they have been notified that I have filed for bankruptcy when I have not. This is a note from when I filed XXXX  XXXX in 2017 and in that case I completed the repayment plan, received a discharge and that bankruptcy has aged off my credit report so their basis for denial is invalid. I have reached out to affirm to have them remove this information but they have not complied
Product: Checking or savings account

I was notified by Chime ( My financial institution ) that several transactions were being made via text message and each message asked if this was an authorized or unauthorized transaction ( So Chime knew there was suspicious activity and notified me ). I called Chime and stated that these charges from XXXX, CA ( I live in XXXX  ) were not authorized by me and filed disputes on the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total- {$680.00} Chime still released the funds and asked me to provide supporting documentation which I sent to them. They denied my reimbursement, made me stay on hold for over 3 hrs and I had to call them back from another line and to make an appointment to speak with a supervisor the next day and they never contacted me. 
I contacted XXXX disputes today to reopens the disputes in order to desperately seek CFPBs help to regain the money that was stolen from me. You cant speak to anyone from Chime only their third party call center. I can not help but help violated and taken advantage of with no help or care from Chime. I would really like the opportunity to send over the documentation for evidence purposes and the opportunity to discuss the details in this regard.
Product: Debt collection

National credit systems has been reporting to my credit for years without ever showing proof of the original owed amount before being sent to collections. I was not made aware of the debt and once I tried to resolve, received no explanation or confirmation that it was myself that actually accrued a debt or any previous attempt to collect from the original owner.
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 recent CFPB 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 and investigation into my account transactions.
Product: Credit card

I have tried to get I. Touch with someone to help me get this information off my credit report and out of fSYNOVUS BANK / FIRST DIGITAL CREDIT CARD database and nobody would assist me because I could not confirm the account information. I came back from my XXXX, as I am XXXX XXXX  and found this company as well as several others on my credit report at the time I went to refinance my home and they advised me I had recent adverse information and it didnt make any sense due to me not being here. Long and behold I have multiple fraudulent addresses as well as phone numbers and accounts opened in my name and some on my credit report and some not. I have never opened or authorized anyone to open a first premier account at all. And I would appreciate this company promptly resolve this and remove me off of their database and off of my credit report. They are the only company that has still not done so. And this is my last resort before I am forced to take legal action as this is my life and well being on the line. I fight for this country I do not need to come home and fight for my livelihood also because a fraud account was allowed to open in my name. Remove me from your system and off my credit report. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 my father suffered a XXXX XXXX  and was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts. All accounts are listed in the report.
Product: Checking or savings account

The bank defrauded myself and other consumers based on lies on interest rates and also coercing me to take a credit card in addition to the misconduct!
Product: Credit reporting or other personal consumer reports

I have an account # XXXX XXXX XXXX Bank that's being reported through XXXX as XXXX or paying as agreed. See Attached Document XXXX ) This account is Only reported on TransUnion, according to XXXX. 
As I looked into the payment History, it's contradictory to the XXXX XXXX. See Attached Document - It reports of a 30 day XXXX XXXX for XX/XX/2021. 

This company has been reporting inconsistencies across the board. How is that one information is shows positive status. 
Then another one separate with Damaging, Negative, and inaccurate information dealing with the exact same account.. This is not Right and it is so unprofessional. 
Why would this company report my payment status as pay as agreed. Then conflicts that positive information with a 30 day past due payment. 

This inaccuracy has negatively impacted any possibility of financing. I ask that this account be REMOVED from my credit reports. It is clearly this company is in violation of the fair credit reporting. 

See Attached supporting documentations Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

Please provide proof these accounts belong to me. They have failed to provide any proof these accounts belong to me based on the guidelines.