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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Money transfer, virtual currency, or money service

I tried to cash out my chime account to my linked bank account in the amount of {$9400.00} and was informed my account had been closed I have sent in proof of identity and proof of ownership of the linked bank account and have gotten no reply from anyone at chime I have been dealing with this issue since XXXX and Chime is refusing to give me my money
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name :XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXXXXXX Account Number :XX/XX/XXXXAccount Name : XX/XX/XXXX Account Number : XX/XX/XXXXAccount Name : XXXX XXXX Account XXXX : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name :XX/XX/XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Checking or savings account

I opened this high yield money market account because they had some great rates. I never had a problem accessing the account online until I was married in XX/XX/2013. It took about two years for them to actually process paperwork to change my name on the account. When that was finally accomplished, I could no longer sign on to online banking. 
I have called, faxed and e-mailed identifying and supporting documents so many times I can't even begin to estimate how many. Now, I have an account that I opened online ; I can't access the funds ; and Capital One will not allow me to close - without coming into a branch office. The nearest branch office to me is about a nine ( 9 ) hour drive away. 
I've spoken to supervisors who promised to call back the next day, but I never get any calls back. I've tried the forgotten password options, even with them walking me through the process. They promise to check into the issue further and call me back, but they never call back. 
I have worked in XXXX for 24 years, and I have never seen such incompetence. Again, I can't sign in to online banking to view my account, make transactions, get a statement, or for anything else. They will not even let me close the account by sending documents - I have faxed a marriage license, a drivers ' license, a concealed handgun carry license, and my social security card. I have offered to send whatever they want. 
Over the last five years, I have changed jobs and moved. I can't even change my address with Capital One Bank. I also had an automatic transfer set up to pull from my old bank into this Capital One account. I can't sign in to stop the transfer ; and I have to drive an hour to put money in that account, just so Capital One Bank can continue to draw it out.

Capital One Bank is holding my money with no right to do so.

I am tired of fighting with them to get my money. I have threatened to lodge a complaint for five years - I'm finally at the end of my rope with these people.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$6900.00}. 
I previously disputed this account stating : ''I have reviewed my credit report and noticed that there are charge-off accounts listed, but I have not received a Form 1099-C for this account as required by the IRS. According to IRS guidelines, a Form 1099-C should be issued when a debt of {$600.00} or more is canceled or forgiven. The lack of this form indicates that these accounts may not have been properly documented or that the debt has not been officially canceled. Please investigate this matter and ensure that my credit report reflects accurate information. I request that you provide me with any documentation you have regarding these charge-off accounts, including any 1099-C forms that may have been issued. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$5300.00}. 
I previously disputed this account stating : I have reviewed my credit report and noticed that there are charge-off accounts listed, but I have not received a Form 1099-C for this account as required by the IRS.

According to IRS guidelines, a Form 1099-C should be issued when a debt of {$600.00} or more is canceled or forgiven. The lack of this form indicates that these accounts may not have been properly documented or that the debt has not been officially canceled. 
Please investigate this matter and ensure that my credit report reflects accurate information. I request that you provide me with any documentation you have regarding these charge-off accounts, including any 1099-C forms that may have been issued. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against Experian on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has opened two loan accounts which are on my credit report and also provided an address change.
Product: Debt collection

I settled several accounts that was sent to collection. I informed these creditors that my spouse open this account without my knowing however, I was willing to settle with them if they can remove and delete derogatory records from my credit report. They said yes and promised to send me a letter in the mail. The letter never came in the mail and my settlement payments were made. I hope to start XXXX school in 6 months and need private loan to fund my education. Please I needs these derogatory records from my credit report in good faith. I completely paid the amount they agreed on and I was looking forward for a second chance.
Product: Credit card

CapitalOne closed all 4 of my credit card accounts because of a returned payment. Did not notify me, they closed the accounts XX/XX/year> and sent letters on the same day leaving me in the dark about the closures.
Product: Student loan

Applying funds incorrectly for two years after following Navients procedures for applying extra funds. Instructions were given in writting more than three times as well as verbally. Not responding to questions or customer service requests, multiple times over two years. Was not given income based options for repayment and was instructed that the best option was forbearance if I could not pay the minimum due. No notice of forbearance ending, forcing me to consolidate XXXX loans they purchased at a an interest rate 3X of my locked rate or tripling the monthly payment amount which I could not afford, went from 1.9 % to 6.8 % on purchased XXXX loan to the rate of with XXXX loans. Without notification and unannounced reported incorrect information to credit reporting agencies, then would not report status updates correctly or resend errors that were reported to the credit agency 's. Made multiple written request per their procedures to correct the information given the the credit agencies. Completely non responsive in writting or follow through with their own procedures. The online information is deceptive to borrowers and contacting Navient at the phone numbers would lead in circles with no resolution, if you could be put on hold and wait for up to an hour and a half. Making and applying extra funds could not be found nor given the option to apply extra funds to principle as thier website instructs forcing you to apply additional funds towards interest instead of principle paying down principles after interest is paid. Navients instructions, website, communication, and responsiveness is misleading and methods are consistent with predatory lending similarly as seen in the mortgage lending crisis. I have never experienced such poor service and communication. I was consistantly reminded and threatened financial repercussions if I did not choose their repayment option or follow thier produces that Navient did not abide by themselves. I was continuously threatened with pentalties, fee, and credit reporting reporting if I did not choose their offers ; all of which has cost me more in interest at higher rates after consolidation. They would threaten and did access fees and penalties that were disputed which they will not credit but will apply to the total balance and charged interest. Navient is the absolute worst servicing or financial institution I have ever experienced. Schools attended : XXXX, XXXX University ; XXXX XXXX, University XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2012 XXXX XXXX XXXXXXXX was forced to forgive loans because of a settlement with the US department of justice. Part of that settlement was that all forgiven accounts were to be reported as paid with NO negative credit reporting resulting from the account / debt forgiveness. XXXX XXXX XXXX has been reporting this account on my credit report as a negative charge off due to non payment. I have requested that all 3 major credit reporting agencies remove this negative account, but Im being told that it is correct. In addiction this account is OVER XXXX years old since it was closed, and should NOT be reported anyway. XXXX XXXX XXXX, Equifax, XXXX, and XXXX are ALL in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against Equifax Credit Bureau for reporting inaccurate information on my credit report. On or around  XXXX   XXXX , I requested a reinvestigation of a dispute that I filed 45 days prior concerning inaccurate information being reported on my credit file to Equifax by  XXXX   XXXX   XXXX . The first response I received from Equifax stated that the account was verified. Next, I sent a letter to  XXXX   XXXX   XXXX  requesting validation of the debt. Approximately, thirty days later I received a reply from  XXXX   XXXX  and the account had not been validated.      XXXX   XXXX   XXXX , financed my vehicle in  XXXX . In  XXXX , due to unforeseen circumstances I was unable to make payments on the loan. The vehicle was repossessed and sold by  XXXX   XXXX ,  XXXX  or a third party related to  XXXX   XXXX   XXXX . Therefore, the Account Balance of {$11.00},  XXXX  and/or Charge-off Amount of {$15.00},  XXXX  as of  XXXX / XXXX / XXXX  reported by  XXXX   XXXX ,  XXXX  to Equifax is incorrect, because  XXXX   XXXX   XXXX  recouped part of the said debt/ financial loss when the vehicle was repossessed and re-sold to reduce or eliminate the said debt. Although  XXXX   XXXX   XXXX , is responsible for providing truthful information to Equifax, I believe it is Equifaxs obligation to consumers to validate and verify the information being reported, especially if it has been disputed. Since Equifax clearly failed to verify and validate the accuracy of the information provided by  XXXX   XXXX   XXXX , this problem has caused me a lot of   XXXX   as I am trying to rebuild my creditworthiness. For instance, I have been denied credit, car loans, housing, and possibly employment ; because of the decline in my cred it score/ FICO s core.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN it 's providing incorrect information on my credit report in which does Not belong to me from this, Company   XXXX   XXXX   XXXX   XXXX   claiming two differenced Balances one of {$29.00} and other Balance of {$38.00}.
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Address :   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , FL  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods, or services described in my credit report.
Product: Debt collection

Someone got a hospital bill in my name without my Knowledge ; I am a victim of Identity Theft ; I files a FTC Report and disputed this with the creditor and credit bureaus and this item remain on my credit report and the credit still insist that I owe this amount money to this creditor.
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX  ( XXXX ) to seek their assistance in resolving this issue. Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was mislead as a consumer ( UDAAP ) this was the law that was broken XXXX XXXX with Equifax Identity Theft with Equifax on XX/XX/2017 In XX/XX/2017, Equifax announced that it had been the victim of a criminal cyberattack on its systems. The attackers gained unauthorized access to the personal information of approximately XXXX XXXX U.S. consumers. This information included peoples names, Social Security numbers, birth dates, addresses, and in some instances drivers license numbers, credit card numbers, or other personal information. 

Equifax XXXX XXXX, XX/XX/2017 - I am a verifiable victim of identity theft and have a Affidavit of Truth UDAAP - were the laws that were broken and or violated I was mislead as a consumer ( UDAAP ) XXXX crimes happened : XXXX. XXXX XXXX thru Equifax Data Breach XXXX. Identity Theft Section 611 ( 5 ) A of the CRA 15 U.S.C. 1681i, every single XXXX  even each any or all of the unproven, non complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be deleted. 

It is also my understanding that Under the U.S.C. 1681, ever single XXXX even each any or all of the unproven, non compliant, incomplete, untrue, incorrect, and or unverfied aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted I am now ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations How I was affected : - Identity Stolen - Denied XXXX XXXX XXXXXXXX lost XXXX due to XXXX credit reporting - Denied Unemployment - Denied forbearance on school loans- Had to pay more for car insurance - Had to spend extra money due to suffering and had to have medical treatment due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- - after I found out I was affected and my personal info had been compromised and or stolen from Equifax. 
- I was denied mortgages - Charged a higher deposit on home rentals- Could not finance a vehicle You sent XXXX Your priority mail packaging, box and weigh was XXXX Receipt attached Printing yesterday was XXXX I have attached the following : Police Report FTC Report Notarized Identity Theft Affadavit Notarized Affadavit of Truth My ID Equifax Claim # Court Orders ( XXXX ) UDAAP FCRA report
Product: Mortgage

We are trying to work with sps mortgage to fix our home loan. 
We uploaded the application we filled today and sent to them. 
We have been trying to work with sps mortgage for years now and they just keep denying us without good reason they just dont want to work with us. 
this was a bad toxic predatory loan originated back in XX/XX/2006 misrepresntion on terms of loan and forgery on documents from the loan broker.
Product: Checking or savings account

Navy Federal is charging overdraft fees and allowing charges to go through if funds werent available
Product: Mortgage

Our home was foreclosed on in XXXX. I truly believe there was fraud involved and now Im losing my home. I need someone to look at the accounting and help me out. XXXX XXXX XXXXXXXX told us to not make payments to get our loan to where we could modify. This was the beginning of a long drawn out battle. After that, they would not let us make payments which continues to incur late fees, interest, etc. We were part of countywide, XXXX XXXX XXXX and then sold to Selene finance in the middle of modification. Selene finance made us start a whole new modification and did not honor the XXXX XXXX XXXXXXXX mod. Selene finance did not allow our modification even with significant income and the 40 year fixed by biden. XXXX XXXX XXXXXXXX bought the home at auction. We had no idea it had been sold until a realtor showed up at our door. We were still trying to modify. The accounting does not add up. My husband is in stage XXXX XXXX and stage XXXX XXXX XXXXXXXX. I have XXXX children. Im at a loss. Please let me know services you provide. I have all documents for forensic auditor. This has been my home for 22 years. I raised my kids here and throught I would have grandkids here. It doesnt seem right m. Soenthing was mishandled and I believe that with all my heart. They would not let me pay after begging them to at least start paying on mortgage. Please please help. 
Thank you,
Product: Debt collection

A debt collection company Known as Credit & Collection Recovery Services, INC. also known as CCRS called me and was very rude and harassed me. The lady said her name was XXXX a case manager. They said I have XXXX accounts that I need to pay today or legal actions will be taken out on me including getting my local law enforcement involved. I just hung up on this call. The account number they did provide me is for XXXX.
Product: Credit card or prepaid card

I inadvertently ordered two " samples '' from a pop up ( XXXX XXXX AKA XXXX XXXX ) which apparently automatically registered me for recurring expensive monthly orders. I tried to deal with XXXX XXXX/XXXX but they refused to issue credit for the orders that they sent and I refused. They did agree to stop the recurring deliveries. I called Capital One and the agent I spoke with said he was very aware of this company 's bad practices and when he called them they refused to deal with him. He told me I would have to speak with " Transaction Support Team ''. After speaking with them they must have called AXXXX XXXX because a credit appeared on my statement. But then two days later, XXXX XXXX billed me for even more money. 
I contacted Capital One who kept issuing temporary credits, then debiting them perhaps because the pop up company wouldn't deal with them either or they thought they were duplicates, who knows. Each time I spoke with a Capital One rep they would finally say they understood the issue ( it was complicated because of all the credits and debits, rebills, etc. ) but they would direct me to their " Transaction Support Team '' : who, again, would eventually say they understood the issue but I would have to write a letter. 

The response to each of my letters was a similar form letter saying they had already taken care of it when they had not taken care of anything. I doubt they took the time to even understand the issues since their assumptions about the problem were incorrect. 
The last time I spoke with someone on this " support team '' he assured me that we understood each other ( after over an hour on the phone ) and that all I had to do is write one more letter. He even told me exactly how to phrase my request. I did as he directed and only received a copy of the same form letter in response. I give up trying to work this out with the Capital One " support team ''. I want to cancel the credit card but think it's better that I don't until this is settled and I will not give up until this is resolved properly.
Product: Mortgage

Hi, I bough a house on XXXX lived in it till i sold it on XX/XX/XXXX. 
When the Covie19 crisis i asked if they can get me few months on top of my loan, they did few time and i got surprised when i sold the house.

Attached is documents show everything. 
i got charged $ about {$90.00} extra. 
not sure how to explain in detail but the attachment will tell. 
sorry as i am overseas, i can be reached only by email. 

Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Experian and XXXX  for them to remove a ( PFD ) Pay for Deletion account on my credit report. Had an agreement with XXXX XXXX that if I paid my revolving debt off it will be deleted off my credit report so I can close on my house. It is in XXXX XXXX system so if any questions needed contact XXXX XXXX.