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

In Accordance with the fair credit reporting act. These Lists Of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX-acct # XXXX, XXXX XXXX-acct XXXX XXXX, XXXX XXXX  XXXX XXXX-acct XXXX XXXX XXXX XXXX XXXX XXXX-acct # XXXX, XXXX-acct # XXXX, XXXX XXXX XXXX-acct # XXXX, XXXX-acct # XXXX, XXXX XXXX-acct # XXXX, XXXX XXXX XXXX XXXX-acct # XXXX, XXXX XXXXXXXX  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.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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
Product: Credit reporting or other personal consumer reports

I sent a Debt Validation letter to these companies through certified mail, and they have yet to respond. It has been well over 30 days.
Product: Credit reporting or other personal consumer reports

I asked all companies to update to paid as agreed and remove negative payment history. need nagatives to be deleted. According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 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 written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( 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 than 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 permission which is against the law. 15 U.S. Code 1681s2 ( 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 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX  and XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

To whom it may concern, I received a debit card in the mail from the company Netspend. It was sent to my parent 's address. I have never applied for this debit card and I have never contacted Netspend before. The letter has a routing number and account number. I don't know if this is identity theft or if this is a marketing scheme. I looked on their website and emailed their customer service on XX/XX/year>. I emailed and told them the situation and asked them to close the account immediately. They replied " For security reasons, we are unable to resolve your concern through email conversation. I highly suggest that you contact our Customer Service hotline for additional assistance. '' I called the XXXX and could not reach a person to speak with. The automation had me enter the 16-digit card number to close the account. I am very concerned about the predatory behavior of this company. They should not be opening an account without my knowledge or consent.
Product: Debt collection

I was contacted by XXXX XXXX about a {$200.00} transaction at XXXX XXXX they say chk was returned. I called XXXX XXXX back during the beginning and they said they had no knowledge of any check. I called them back, and ask for check, they said theyd get me chk and it never showed up. About 6 months later, the same sequence of events, still no proof of chk and my bank said no return chks on acct ever in 20 plus years of its existence and that I also have overdraft protection and a return chk would not have happened. I told the collector that and he said Certegy had guaranteed money and they picked up check. So I called their office and after taking both our bank acct numbers and SS # s and past two addresses, they could find no history of us in their system at all. So I called collector back again and said Certegy has no record of us, and they say you are not a debt collector for them and the collection guy said they sold you to us and I said they have no such record. He says they wouldnt, do I called again and they them reported history is part of the service they provide and they would have history of cold check. So when I called and told him that, he said you dont know what your husband is spending money on or where hes bouncing checks. Then he called my husband and said we have your drivers license number on chk we know it was you. He said great, then send us a copy and well get that check cut to you today. All we are asking for is some type of proof beyond your word. He hung up on him and said Im not going away, we dont settle debt, we collect it. Ive sent them an email telling them we need proof Of something beyond being badgered to death. We have never floated a check anywhere, its not in my financial history, and if I thought I owed this, Id be happy to pay it. All Ive ask for is a copy of a chk.
Product: Student loan

Hello! I graduated in XXXX. Months prior to graduating, I requested to consolidate my 8 private student loans. XXXX XXXX, at the time, told me I had to wait til I graduated to our so. Upon graduation in XX/XX/XXXX,  XXXX XXXX told me they NO LONGER consolidated. I participated in forbearance after forbearance because the amount requested that I pay was over 1200 a month and I worked as a XXXX XXXX XXXX. In XXXX, I lost my job and was given NO relief. I would send {$50.00} a month just to pay something and my credit suffered tremendously. My struggle/fight with XXXX XXXX began in XXXX and still goes on today. My credit remained effected from XXXX til literally last year, even though I was making my monthly payments. A few years ago, I actually hired a company to help me fix my credit and deal specifically with XXXX XXXX/navient.For the past 6 years I have worked for a XXXX XXXX and have had to report my credit problem specifically with XXXX XXXX because you must keep your credit score at a decent level to maintain your job. Even in getting this job 6 years ago, I had to write a letter to the agency that I 'm currently employed, explaining why my credit was so terrible. And it was all having to do with XXXX XXXX/navient. They were able to investigate what I stated in my letter and found truth in it and waived the credit requirements and offered me the job. I am writing to ensure that I am included in the lawsuit being filed. I 'm not sure what documents that I have but I know I have dealt with you all in the past. My last name may have been different at that time. And I 've also had dealings with the " financial advising '' third party company that supposedly woed with XXXX XXXX and would help me and woukd recommend payment plans, etc. I spoke with them, told them my situation and they stated that there was NO WAY YOU WOULD BE ABLE TO PAY WHAT THEY ARE ASKING WITH THE BILLS YOU HAVE. well, I spoke to XXXX days later and that company allegedly reported the exact opposite and that was well able to pay what XXXX XXXX/navient was asking. Please let me know what documentation is needed. I 've been dealing with this for so long I 'm not sure all that I have. But I truly want to be part of the lawsuit. I 've even through the ringer with XXXX XXXX for too long and have been through too much with them in XXXX and even up to now.
Product: Checking or savings account

On XXXX an unauthorized charge of {$230.00} was debited from my Truist Bank checking and a {$36.00} Overdraft fee was in return was accessed to my acct. I immediately called Truist and spoke with a representative who advised that she was unable to enter a dispute for the charge because it was currently pending. However, she did provide me with the merchant 's telephone number to call to inquire about them reversing the charge from my account. She also advised that once the charge was reversed the XXXX overdraft fee would also be reversed. In addition, she advised that if the merchant refused to reverse that charge I could contact Truist back to complete the dispute when the charge was processed and no longer in a pending status.

The good news is that the merchant agreed to reverse the charge and it credited the charge back onto my account on XXXX, but the overdraft fee did not reverse. After waiting several days I called Truist back to advise the charge was reversed but the overdraft fee was still on my account. The agent ( XXXX ) put me on hold and came back to advise that the fee could not be reversed. I then requested a supervisor ( XXXX ), who also told me that the fee could not be reversed. She said that because I did not have Truist do a dispute to reverse the charge they could not remove it. I pushed back and then she put me on hold. When she came back she advised that she opened a claim to have the fee reviewed, but that does not mean that the fee will be removed from my account. She provided me with claim # XXXX I am filing this complaint because I am failing to see why I am responsible for paying a {$36.00} fee that was generated by a charge that has been credited back to my account by the merchant because it was charged in error. I also feel that if this is a practice of Truist, it needs to be investigated.
Product: Debt collection

this account is pulling my credit score by being on my credit. please remove this account from my credit file.
Product: Bank account or service

Went to XXXX Bank ATM to with draw money. Said call financial institution. Tried XXXX other times with different amounts. Stated the same " call financial institution. 

Called American Express they said the ATM show money was disbursed. I never received money.
Product: Debt collection

I am not liable for this debt with Jefferson Capital Systems, I have previously sent a request for debt validation of this account and never received anything from them with this information and now it is negatively affecting my credit report.
Product: Student loan

Navient may be avoiding submitting my XXXX  Loan Forgiveness application to the guarantor, or the guarantor could be delaying a response. According to my records, I originally submitted the application in XXXX of XXXX. On XX/XX/XXXX, months after I submitted the application, in response to my email query, they informed me that the application had been resubmitted to the guarantor, but that I may have a wait of up to 120 days before a response should be expected. Since XX/XX/XXXX was well into that 120 day period, I submitted further requests for information. On XX/XX/XXXX, they responded with the exact same information, and continued to do so on XX/XX/XXXX and XX/XX/XXXX - all in response to my further requests via email for information. It is now XX/XX/XXXX, and I still have no word from them about the status of my application, and I don't believe they intend to inform me further. In the meantime, they put my loan in forbearance. They said this was a courtesy, but I have never been late, and have made it a priority to pay on time, and I asked them, via a phone call, to take the loan out of forbearance because I want to keep my high credit rating ( of course! ). It also looks like they have not taken my loan out of forbearance, and I suspect that every time they put it in, it increases some fee which is added back into the loan. This loan forgiveness is dearly needed. I attended my college on a special half-price scholarship for older students, but my student loan documents stated that the cost of my education was still twice what it should have been for the salary I was making. Can you help me with this issue?
Product: Payday loan

I applied for a loan for {$400.00} to help pay my mortgage since my husband passed away I got behind on my payments. When I applied because I was desperate I did not understand the terms and conditions, for a {$400.00} loan I am being charged {$1900.00} and if they take it out of my account I can stand to lose my home. I am on Social Security and {$200.00} a month is more than I can afford. Please help
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. 15 U.S. C. 1681 602 A. States I have the right to privacy. 










XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Account number : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Account : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ACCOUNT : XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account : XXXX Bankruptcy : Dismissed XXXX XXXX XXXX XX/XX/2015 Reference number : XXXX Court : US DIST CT 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

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 or crimes with antendates the report by more than seven years.

15 U.S.C. 1681 ( 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

On XX/XX/year>, {$12000.00} was debited from our business checking account without our authorization through an ACH ( XXXX  XXXX XXXX : XXXXXXXX XXXX XXXX  XXXX XXXX  : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ). We promptly notified the bank the same evening and filled out the necessary paperwork to report the fraudulent debit and have our account credited the funds that were taken. We received the following information from the bank : XXXX XXXX of XXXX XXXX XXXX in XXXX, KY posed as a legal representative of our company, XXXX XXXX, and filled out an ACH debit form to have {$12000.00} transferred from our bank account to XXXX XXXX XXXX XXXX, XXXX in XXXX, VA. The funds are being held in their account in XXXX XXXX XXXX  and have yet to be returned or credited back to us. Neither Bank of America nor XXXX XXXX have been helpful in getting our money credited back to our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX - XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX - XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX - XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Product: Debt collection

On my behalf, my XXXX ordered a XXXX. In XXXX, I started receiving unsettling bills for it amounting to {$960.00}. This is a covered benefit through my insurance. While on the phone, this has been " corrected '' and " disputed '' multiple times on a monthly and bi-monthly basis. They have agreed to stop harassing me via phone but have started mailing me bills. They claim to have no notes past the XXXX calls and hence do not have notation of how to correct this issue. I have been told on multiple recorded phone calls that this is being reviewed and is obviously valid. We have even been on calls as a group with XXXX and XXXX. Please help me to correct this issue and get someone on the phone to actually be able to review and correct.
Product: Money transfer, virtual currency, or money service

( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER IS MISTAKENLY REPORTING A DUPLICATE ACCOUNT ON MY CREDIT. I ONLY HAVE 1 DISCOVER CREDIT CARD BUT XXXX IS REPORTING A DUPLICATE WITH A BALANCE OF {$2900.00}. THIS IS COMPLETELY FALSE AND NEEDS TO BE RECITIFED RIGHT AWAY.
Product: Checking or savings account

I am filling a compliant with the CFPB regarding capital one 's failure to deposit my direct deposit from my employer and any other incoming deposits. capital one has cited technical issues, which may violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumers protection law, and I request your assistance in investigating this matter to ensure my right are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Sent in FTC reports i have sent all my proper docs that credit bureaus told me to send in and the still have not removed the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to temporarily remove the freeze from my Transunion credit bureau almost 6 months ago. I told them in writing that I did not have a pin number and for them to assist in getting either a pin or whatever they needed from me to temporarily remove my freeze. After waiting months instead of getting what I asked for they sent me a credit report om XXXX XXXX I sent a letter to their corporate headquarters and still have not received what I asked for, this is causing financial hardship since I need a loan and a credit card I have had for 8 yrs tried to increase my credit but because of freeze they could not. I made it very clear what I needed and just a blatant disregard of what I needed