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

As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumes of their information sharing practices and provide for a right to opt out of certain sharing, In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( XXXX XXXX, XXXX XXXX XXXX ) XXXX 

According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information Provided by a consumer to a financial institution Resulting from any transaction with the consumer or any service performed for the consumer ; or Otherwise obtained by the financial institution. 

Further, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Therefore, as per the literal interpretation, the organization named XXXX, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. 

In case your Company admits that the organization named XXXX, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA ( Fair Credit Reporting Act ). 


UNDER 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. 

Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ill ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. 

Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you to remove the below-mentioned information from my Consumer Report ; XXXX XXXX BRIDGECREST XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 : A person with a fake check went into XXXX and cashed a check drawn on the check. To my understanding he was able to get money in the amount of {$390.00} in a combination of goods and a gift card. The check was presented to Chase bank on XX/XX/2020 for payment. The alert came to my phone by account was overdrawn by XXXX @ XXXX XXXX. 

I didn't expect for XXXX to know it was a fake check, but when the check came to the bank to be paid it should have been immediately flagged. It went through the bank to be process for payment., thus the overdrawn alert. 

The stress and fear that came with this alert was insurmountable : Questions as to whether my other accounts could be targeted and compromised. Its too hard to get answer from the claim/fraud department on hold for over 30-1 hr. Haven't had a follow-up call or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report a public record and responding to letters that the information was provided by XXXX, a 3rd party data furnisher. However, XXXX does not have record of this information in their file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC and receivewd copies of the FTC Fraud report. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included these reports in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need your help removing the following accounts items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my NUMEROUS 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 items 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, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX-XXXXXXXXXXXXXX Balance : {$390.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, received in the mail an garnishment notification from Newman, Hesse and Associates, P.A. from XXXX, KS for a bad debt from check written in XXXX KS, on XX/XX/XXXX. This was the first I have heard about the check. I left Kansas in XXXX after college and was never served by the court or collector, never got any mail on it nor was I informed by anyone on this. I was never able to represent myself or even attempt to pay it ( with no contact how would I know ) however this group filed in XX/XX/XXXX with XXXX county court for judgement, then in XX/XX/XXXX took it to court again. Filed a third time in XX/XX/XXXX, a fourth time in XX/XX/XXXX, the fifth time XX/XX/XXXX, and finally in XX/XX/XXXX got a garnishment setup. With this garnishment they did not even send it to a correct employer. I do not work in XXXX IL. My employer does not do business in XXXX nor am I a resident there. From what I also understand is that they also have to file in the local state to garnish to begin with. I check my credit and nothing there either. With this debt they are running up the bill which started at XXXX after fees and charges is now XXXX. This is robbery. Plus my information is now with a company I do not work for or do business with. They need to be stopped. I have had no notification from the state nor the company except this letter which I took the AG for Kansas ( how I  got the info on what it was on ). The state of Kansas knew where I lived for the last 18 years as we paid a debt my wife owed. This is unfair and wrong and after 20 years ridiculous.
Product: Credit card or prepaid card

Hello, I have been dealing with this issue for 2 years.Asking CBNA/XXXX   to please remove their derogatory statement off my credit report.Every letter that I wrote them always came back, that they have investigated my claim and they have followed the law. 

I was a XXXX card holder for over 20 years. Always paid my bill on time and kept a {$0.00} balance.On XX/XX/2015 I did not receive a bill in the mail.Ok no bill so no payment was made. I did not receive a email, letter, phone call, to informing me that I have a late payment. Instead I get a letter from a Collection Agency. This amount was for $ XXXX.I requested a copy of there Policies and procedures Manual on late payments to to if this is their standard practice. All I received was their standard form letter. 
I immediately paid the account balance and fees and closed the account.
Product: Credit reporting or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$2500.00} ; XXXX XXXX XXXX XXXX
Product: Prepaid card

I recieved a refund from a purchase made on a card that is now closed so i had the merchant senf it to my netspend card noe my account is locked and netspend offers no assistance to me.
Product: Debt collection

First, this matter has been forwarded to the Washington State Attorney General, XXXX XXXX. Case # XXXX. The original creditor, XXXX XXXX, replied, stating they had NO RECORD OF ME IN THEIR SYSTEM. 

This is regarding a debt that I DO NOT OWE, from XXXX XXXX. The original account is from 2006, so it is PAST SoL. The original account was closed, as per XXXX XXXX, via phone, AND fully paid off. I took advantage of the SCRA, and closed original account, WITHOUT EARLY TERMINATION FEES, due to my having to deploy for 90+ days. XXXX XXXX verified this with me, via phone. No calls, no letters, nada. Until a collections letter from XXXX XXXX, XXXX. 

XXXX sold the original account, to XXXX XXXX XXXX , XXXX, who, in turn, HAS NOT, TO THIS DATE, provided me with a verification of debt. 

XXXX XXXX XXXX , XXXX, keeps selling this debt I DO NOT OWE, to servicers, even though it is PAST SoL and violates the SCRA. 

The latest servicer is Resurgent Capital Services, who responded to my previous CFPB complaint, that they would not contact me. 

But they did. They sent a verification of debt that DOES NOT verify the debt at all. It's just dates with amounts. No explanation of what the amounts due are for. Nothing. 

As far as I am concerned, as per the Attorney General response from XXXX XXXX, the blatant violation of the SCRA, the debt supposedly owed being past the SoL, and the lack of a full accounting, including a breakdown and explanation of charges due, such as early termination fee, past due amount, etc., I consider this matter closed. I have no intention of paying this. Ever. 

If XXXX XXXX XXXX , XXXX. wishes to continue to pursue this matter, either via their company, or a " servicing '' company, I will have no choice but to obtain legal services.
Product: Credit reporting or other personal consumer reports

I have been with XXXX XXXX via " XXXX XXXX '' which is a line of medically related credit. I always made my payments on time, online, using my same bank. When it came down to the last payment owed, XXXX XXXX  said that my payment was declined. I never wait until the due date to make payments, so I went and made sure the money was in fact there and that the account were accurate, and resubmitted the payment. Some days later I got another email saying the payment was declined. I looked online and XXXX XXXX showed no balance, so I assumed the email was an old communication. But then I got ANOTHER email saying that my account was now flagged as delinquent. So again I went online to see what I could see about WHY the payment wasn't being processed. I submitted the payment AGAIN, but this time I also opted to speak directly to an agent immediately following my online submission. He suggested that the previous payments didn't go through due to insufficient funds, which was never the case. He also implied my own human error in entering the account information, which also wasn't the case as I had saved the account information on throt system for fast easy payments. He said he could see the payment attempts. I asked if there could have been an error on their side of the automated process, and if we could please go ahead with a manual payment to insure it would not be rejected again. I also asked what could be done about the credit reporting, as I have never made a late payment to them or to ANY account. He said that I would have to take it up with a credit reporting agency. Then XXXX XXXX  closed my account, citing dishonored payments as the reason! This is unfair credit reporting, as it wasn't my fault their system stopped accepting payments randomly at the last payment due! Please note that the account has been settled in full.
Product: Credit reporting or other personal consumer reports

My account with EXperian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXperian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a debt validation letter XXXX days ago asking for your company to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}.
Product: Mortgage

Loan servicing company Seterus Inc. has been inefficient in paper handling repeatedly asking for same documentation that has been previously provided and has caused delays in submitting loan payoff demands to closing company causing increased costs to consumers in interest payments and penalties. Repeatedly giving incorrect information about expected time for their performance from 48 hours, to 5-7 days, to 7-10 days, to 21 days, to they are backlogged and do n't know when. When contacted by closing agent, they fail to instruct that demands and authorizations must be on their forms when information is requested by the consumer, closing agent, and real estate agent. Being told to contact them by a certain date if requested demand has n't arrived only to be told later that no authorizations or records are on file after the information has been submitted. They are inefficient at best unless they intend to delay closings to earn more interest and penalties from consumers.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the alleged debt associated with the above-referenced account. As a consumer protected by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am fully aware of my rights and am exercising them to ensure the accuracy and fairness of the information reported by your agency. 

Under the provisions of the FDCPA, I request that you provide me with the following information and take the necessary actions within 30 days of receiving this letter : Validation of the Debt : Pursuant to 15 USC 1692g, I demand that you provide written verification of the debt, including the amount owed and the name of the original creditor. This verification should be accompanied by any documentation proving my liability for the alleged debt.

Cease Communication : In accordance with 15 USC 1692c ( c ), I request that you immediately cease all communication with me, except for providing the requested verification of the debt. Any further attempts to contact me, including phone calls or letters, will be considered a violation of the FDCPA.

Dispute Investigation : As outlined in 15 USC 1692g ( b ), I expect you to conduct a thorough investigation into the disputed debt. This includes contacting the original creditor and obtaining any documentation supporting the legitimacy and accuracy of the debt.

Furthermore, in accordance with the FCRA, I also request that you comply with the following provisions : Accuracy of Reporting : Under 15 USC 1681s-2 ( a ) ( 1 ) ( A ), you are obligated to report accurate and complete information to credit reporting agencies. I demand that you review the information you have reported and promptly correct any inaccuracies or discrepancies.

Verification of Reporting : Pursuant to 15 USC 1681s-2 ( b ), I request that you provide me with proof of the information you have reported to credit bureaus regarding the alleged debt. This should include copies of any correspondence or documentation provided to credit reporting agencies.

I would like to remind you that failure to comply with the FDCPA and FCRA can result in legal consequences, including potential liability for damages. I trust that you will handle this matter in a timely and professional manner, ensuring that my consumer rights are protected.

Please communicate with me solely in writing regarding this dispute, and send all correspondence to the address provided above. I expect to receive a response within 30 days from the date of your receipt of this letter.
Product: Checking or savings account

this information later, to help the company identify you and your 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 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 an investigation into my account transactions. 
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. 
Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 
Publishing this description will not affect how the CFPB handles your complaint.