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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

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



Closed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I am a private student loan account holder with Navient. I requested from Navient a detailed student loan payment history that includes the bank accountor at least the last four digits of said accountfrom which my payments to Navient were withdrawn. Navient has refused to provide me with this information.

By way of background, I am in the middle of a process to have my past student loan payments reimbursed. Among other documents, the reimbursing party wants two documents : ( 1 ) the bank statement showing the withdrawn payment; and ( 2 ) my student loan servicers payment history showing acceptance of the payment. All this is to say that they simply want me to demonstrate that I made a student loan payment from my bank account. However, for the payments in question, there are no existing bank statements because these payments that I made to Navient are over 7 years old. According to XXXX XXXXmy personal bank from which these payments were withdrawnthey do not keep bank statements over 7 years old pursuant to federal law. After working tooth-and-nail with XXXX to otherwise obtain these statements, it was clear that the statements do not exist. 

That said, the reimbursing party advised me to find another source of this information, so I called Navient. And indeed, I was advised by Navient that Navient has this information on its end ; this information is not available on my end. To acquire this information, I submitted XXXX requests over 2 months ( XXXX and XX/XX/2023 ) to have produced a more detailed payment history with the bank account information but was ultimately told on my 4th phone call ( dated XX/XX/2023 ) that it is Navients policy to not disclose such information. After going back-and-forth during the 4th phone call, the worker from Navient with whom I spoke instructed me on my options. He advised that I could mail a hardcopy request ( which he admitted would likely be futile ) and/or initiate legal process, i.e., a subpoena. I think it is perfectly ridiculous that I would have to undertake legal process to simply obtain bank account information for payments that I made to a student loan servicer. 

The worker with whom I spoke at Navient during the 4th phone call advised me that the main issue is the risk that a writing with the bank account information will be lost, intercepted, or otherwise possessed by a third party, thereby rendering Navient liable. I made it demonstrably clear how absurd this policy was, given that another Navient worker had advised me orally over the phone which bank account the payments were withdrawn from and that Navient could simply send the information over a secure email or through my account portal. 

That is the gist of my complaint. Thank you.
Product: Credit reporting or other personal consumer reports

I filed a claim in regards to the Equifax data breach from XX/XX/XXXX to XX/XX/XXXX XXXX due to I have had time was spent making calls to Equifax trying typing and creating dispute letters and looking at credit reports. Time was spent going back-and-forth to the post office. Time was spent calling Equifax Multiple times time was spent filling out envelopes. Time was spent printing and signing dispute letters. Time was spent filling out USPS certified mail forms. Time was spent standing in line at the post office. This happened around XX/XX/1920 I spent over 20 hours my loss was due to you know, notary vaccine, postage copies, my mileage, my time you know my long distance, my phone phone bill and I come up with about {$4000.00} in in a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, Transunion, XXXX has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States have the right to privacy These addresses do not belong on my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to request that two bankruptcies be removed from my Transunion and XXXX credit consumer reports. I am a real person by myself writing to you. Despite providing numerous supporting documentation and evidence that the bankruptcies are not mine and were dismissed based on what they told, Transunion and XXXX have failed to remove the incorrect information from my credit report. 

In fact, I have contacted XXXX, another consumer reporting agency, regarding the bankruptcies and they have confirmed that the bankruptcies are not mine and have been removed from their report. XXXX, another consumer reporting agency, has also removed the bankruptcies from my credit report. However, Transunion and XXXX continue to report the bankruptcies, even though XXXX has confirmed their inaccuracy and removed them from their report. 

Moreover, Transunion and XXXX claim that they have verified the bankruptcies with public records based in last complaints and too the XXXX  and their respective state, but I have personally visited the court and was informed that they did not receive any verification requests from Transunion and XXXX. It is possible that Transunion and XXXX used XXXX to verify the bankruptcies, which is not an appropriate method for verifying credit report information. XXXX is intended for " judicial use only, '' and not for public use or for verifying credit report information. 

I believe that Transunion and XXXX are violating my consumer and privacy rights by continuing to report the incorrect bankruptcies on my credit report. Therefore, I would like to invoke the following laws to support my request for the removal of the bankruptcies : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) - This section requires consumer reporting agencies to investigate disputes within 30 days and remove any information that can not be verified. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) - This section requires consumer reporting agencies to follow " reasonable procedures '' to ensure the accuracy of the information they report. 

Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681c - This section requires consumer reporting agencies to provide accurate credit reports to consumers. 

Given the evidence and documentation I have provided, and the fact that XXXX has already removed the bankruptcies from my credit report, I believe that it is clear that the bankruptcies are not mine and should be removed from my Transunion and XXXX credit reports as well. It is important that the CFPB investigate Transunion and XXXX 's actions to ensure that they are complying with federal law and protecting consumers ' privacy and credit rights. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I'm getting these accounts on my credit at XXXX. 
I am very upset, because I have written directly to the companies ( XX/XX/2023 ) and sent them the police complaint in XXXX XXXX. These accounts were opened fraudulently and they say they are mine. When they are open with information from the United States that I have never lived. 
I have also written and called XXXX and nothing either. 
Who regulates consumer rights, I don't know, it's just that there is no one to protect me. 
XXXX XXXX XXXX XXXX Account Number XXXX .... 
XXXX XXXX XXXX XXXX Account Number XXXX XXXX  Account Number XXXX ATTACHED COMPLAINT POLICE IN XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I opened an account at Webster Bank. As part of a promotion, "XX/XX/XXXX-XX/XX/XXXX {$350.00} '', after opening the premier checking account with a {$500.00} deposit, and making a direct deposit of {$500.00} or more by XX/XX/XXXX, I was to receive the {$350.00}. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I made direct deposits of more than 500.. I was supposed to receive a {$350.00} bonus, credited to my checking account. The bonus was to be paid by XX/XX/XXXX. I did not receive the payment by XXXX.despite the fact that I met the requirements. I called customer service at Webster bank over 12 times, and got nowhere.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX auto loans with XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX SER on XX/XX/XXXX, XXXX XXXX XXXX CO on XX/XX/XXXX. There is fraudulent personal loan accounts with XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, rental debt with XXXX AUTOMATED on XX/XX/XXXX. The result of the fraudulent accounts have put accounts in collections with XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX AUTOMATED on XX/XX/XXXX, SECURITY CREDIT SERVICE on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX XXXX XXXX 
To following information on my credit report is the result of identity theft and should be blocked : 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX XXXX at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX XXXX I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

This morning, I saw unauthorized inquiries on my credit report, and Im at a loss as to how they appeared. I checked my report as part of my routine and was shocked to see discrepancies that hadnt been there before. I refreshed my browser to rule out a technical error, but the issue persisted. I demand immediate attention to the documents Ive sent to ensure this gets resolved and I can stop worrying.
Product: Debt collection

Jefferson Capital System, contacted me on XXXX for a debt. Status XXXX. I requested Before I proceed with any further actions, I kindly request that you provide me with the necessary information to validate this debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The original creditor 's name and address.

2. The original account number associated with the debt.

3. A detailed breakdown of the amount claimed, including any interest, fees, or additional charges applied.

4. Copies of any agreements, contracts, or documents that demonstrate my obligation to pay this debt.

5. Proof that your agency is licensed to collect debts in [ your state ].

I also want to bring to your attention that I am aware of my rights under the FDCPA. I expect all communication related to this debt to be in compliance with the law. Any violations will be reported to the appropriate regulatory authorities.

Please note that until you provide the requested information and validate the debt, I consider it disputed. Therefore, I request that you cease any further collection activities, including reporting this debt to credit bureaus, until the validation process is complete. And they have not supplied the information and I do believe that if the information is no accurate and proper verification is not sufficient it needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act.  The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of  an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national  banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX {$XXXX} overdraft fee XX/XX/XXXX {$XXXX} overdraft fee I would like these refunded, as they charged me overdraft fees despite me having an inbound deposit for several days that they were stalling on and not properly processing. It was not the fault of my own my account was low balance. 
Navy Federal refused to properly process my paycheck deposits which resulted in them then fining me several times, and when I called in and pointed this out they only refunded a portion. They charged me a tax of over 60 % of what was overdrawn. 

On XXXX XXXX I brought my account current the same day the transaction even posted. I had a {$XXXX} transaction which they Charged me {$XXXX} in overdraft fees for ( 333.33 % interest!!! ) even though I deposited {$XXXX} that same day.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate bankruptcy information that is still being reported on my credit reports by Equifax. 

The incorrect information is as follows : Bankruptcy Filing Date : XX/XX/year> Bankruptcy Case Number : XXXX. 

I have documentation from XXXX confirming that the bankruptcy information has been removed from their records, and I have also received a letter from the bankruptcy court stating that they do not report bankruptcies to credit bureaus. Despite submitting this information to the credit bureaus, they have failed to remove the inaccurate bankruptcy from my credit reports. 

This inaccurate information is negatively impacting my credit score and causing ongoing financial harm. 

I request that the CFPB investigate this matter and help facilitate the removal of the inaccurate bankruptcy from my credit reports with all three major bureaus.
Product: Mortgage

On XX/XX/XXXX XXXX I talked with Mr. XXXX , customer relations representative from XXXX Tx . I asked Mr. XXXX about the interest amount paid as of XX/XX/XXXX. per Mr. XXXX `` I can not tell you the amount of interest paid on your account. '' When I asked him why he could not tell me the amount, per Mr. XXXX " it is not company policy. '' He could tell me that the interest rate on loan is 8.5 %. Per Mr XXXX he could tell e the of principle on the loan that due is XXXX as of XX/XX/XXXX. Per Mr. XXXX " a mailing was sent regarding the interest being paid first then principle. '' This was a surprise to me, He stated " will resend to mailing adddress ''. Per Mr. XXXX the " industry standard information is not part of your original closing loan document file, the title closing agent did not confirm language, acknowledgment verbally, no signature as included in orginial loan file. You were not advised of the industry standard. I informed Mr. XXXX the term industry standard was not relayed to us at closing or after loan transfer to Nationstar mortgage. Nationstar failed to disclose the amount of interest paid on my account is a violation of my rights as coborrower. 
During loan transfer from XXXX to Nationstar, after review of loan files, fail to obtain industry standard signature, verbal acknowledgment from borrowers of loan after XX/XX/XXXX.  Nationstar neglected to convey specififications of the real estate loan transfer transcation. Interest being paid first then principle, letter not received. No verification it was received by me on file. 
Fail to investigate customer complaints. Qualified written request sent to ceo cerifitid on XX/XX/XXXX, requesting additonal information on servicing of loan.Through account history print out I discovered overcharges unexplained fees, invalid late fee assessed, inconsistent interest increases. Low amounts applied to principle, invalid late fee from bank draft authorization. Payments applied to suspense account without disclosure to me, code/description used for deduction from monthly payments. Such as corporat advance fee, non cash fee adjustments, and QC fee all were outlined in letter to ceo. 
Second qualified written request regarding servicing of my loan was XX/XX/XXXX, an acknowledgement letter sent, no follow up or investigation into complaint. Mr. Cooper continues to perpetuate the predatory lending practices against me. Being an elder couple we were unwitting victims of the housing scam era. The numerous deficiencies in accounting payments, failing to follow up with customer. Facts are contractual monthly payment for 139 months received on loan has paid off the loan amount of XXXX Zero credit toward interest means over XXXX has been paid and the remaining amount of XXXX still due is a proof of a fraudulent loan scam against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not retrieve my credit report from XXXX, it always shows a reporting error. I have reached to XXXX they tell me nothing is wrong with my profile. This is currently hurting my ability to get a house.
Product: Prepaid card

A fraudulent charge was made to my XXXX XXXX card on XX/XX/year>. Submitted documents proving my information has been compromised and they denied my claim twice.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash APP ( 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 to this violations.
Product: Debt collection

I have received communications from North American Credit Services ( XXXX ) agency and they have damaged my credit report and my credit score trying to collect a debt that is not mine.
Product: Credit card

I signed up for an online casino that I had no idea was an illegal unlicensed operation. They overcharge my card and never delivered anything they promised they had no business operating in the state of California and taking credit card payments as a form of payment as it being an illegal company, I feel robbed of over {$24000.00} and theres no way I can pay for this.