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

Every time I ask for my bankruptcy to be removed you state it is verified. We are past that. It doesnt change you violated 15 USC 1681 A AND 4. Indeed, the Fair Credit Reporting Act ( FCRA ), specifically in section 15 USC 1681 ( a ) ( 4 ), emphasizes the importance of consumer privacy rights. This section acknowledges and establishes that individuals have the right to privacy when it comes to their consumer information. It requires consumer reporting agencies to maintain reasonable procedures to ensure the confidentiality, accuracy, and security of consumer data.

The FCRA sets guidelines for how consumer information is collected, shared, and used by credit reporting agencies, and it grants consumers certain rights, such as the right to access their credit reports, dispute inaccuracies, and protect their personal information from unauthorized access.

The correct reference is 15 USC 1681b, which outlines the permissible purposes for obtaining consumer reports under the Fair Credit Reporting Act ( FCRA ).

Section 15 USC 1681b establishes the conditions under which consumer reports can be accessed and used by various entities, such as employers, creditors, insurers, and landlords. These permissible purposes include : 1. To evaluate a consumer 's creditworthiness before extending credit or issuing insurance.

2. To review an individual 's suitability for employment purposes.

3. To underwrite insurance policies or assess claims.

4. To evaluate eligibility for government licenses or benefits.

5. To conduct a legitimate business transaction initiated by the consumer, such as opening a bank account or entering into a rental agreement.

6. To gather information for legitimate business needs in connection with a business transaction involving the consumer.

7. To comply with a court order or federal, state, or local laws requiring the disclosure of consumer reports.

It's important to note that these permissible purposes are defined by the FCRA and serve as a framework for protecting consumer privacy while enabling appropriate access to consumer information when needed.

Please remove Bankruptcy from credit report. This is identity theft. Bankruptcy court does not furnish anything to credit agencies due to privacy violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to this agency to remove my statement due to fraud and not being able to fix the issue I had to file bankruptcy. nothing they don't respond and calling them does not exist I have argued that XXXX XXXX was not in my bankruptcy they came back with no changes but XXXX XXXX is still reviewing. so this tells me that XXXX is for the creditor and not the consumer and really do not do on behalf of the consumer when they are given proof of what I am stating. 
XXXX and XXXX XXXX XXXX are in my bankruptcy and XXXX did not put it on. 
I have had problems with XXXX regarding numerous issues and they seem to take the side of the Creditor when they are showing documentation that the Creditor is wrong.
Product: Credit reporting

Please see attached for additional documents re : previously deleted and reinserted judgment on my credit file. The item was previously disputed, investigated and deleted. Equifax chose to reinsert the judgement at their discretion and subsequently ruining my credit score. I sent a document on a letterhead from the creditor asking that this judgment not be reported as the left the judgment in efforts to pursue other party on account and not me. I have verbalized this to every employee that has answered the phone in consumer division at Equifax in XXXX. I have sent faxes and disputed relentlessly to get this judgment off my credit. They have now blocked me from monitoring my credit to determine if other errors exist and identity protection. Additionally, they have reinserted late payments that were removed by the credit grantor ( XXXX XXXX XXXX ) last year. The credit grantor is not reporting late payments on my lease that started on XX/XX/XXXX. There is no issue with XX/XX/XXXX lease and it is not being disputed. I want to be clear about which lease as Equifax has deleted other accounts with pristine credit history and subsequently lowered my car buying FICO by almost XXXX points. I have financed and paid off XXXX other vehicles in the past 7 years. I only have XXXX paid car reporting with this CRA as Equifax at their discretion deleted the other XXXX paid in full accounts. They have further gone and deleted years of pristine credit card payment history in the last 30 days as retaliation to complaints filed Maryland OAG, XXXX, and other regulatory bodies of the government.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this complain certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove/block the items/account as they are fraudulent & were opened without my consent or knowledge... Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account : XXXX XXXX XXXX. If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 2 FTC reports with inquiries I did not authorize, please delete them ASAP they are affecting my life
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits : This issue aligns with 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.
Product: Credit card

Barclays closed my Wyndham Rewards card out of the blue. I had paid the annual fee of {$69.00} 3 months before closure and now I can not reap the rewards of this annual-fee credit card.
Product: Student loan

Please note your website did not recognize the number listed below. 
CFPB COMPLAINT # XXXX Discover Student Loan, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX 1 ) XXXX - Discover Student Loan took over the loans from XXXX XXXX XXXX XXXX {$47000.00}. 
2 ) XXXX - Graduated from XXXX XXXX XXXX XXXX. 
3 ) XXXX - Began 'Autopay ' to make payments for the loans to Discover Student Loan. 
4 ) XXXX - I asked for an accounting of payments. Discover Student Loan did not apply any of my payments to the principle from XX/XX/XXXX - XX/XX/XXXX. After repeatedly requesting part of the payment be applied to the principle, they began to pay down the principle in XX/XX/XXXX. 
5 ) We always paid Discover Student Loan through 'Autopay ' so payments would not arrive late. However, a {$570.00} late fee has arbitrarily appeared on statements. 
6 ) Discover Student Loan also uses three different Customer Account # 's in the correspondence I receive from them. I have never received notification stating my Customer Account # was changing. 
7 ) I have paid an average of {$63000.00} over 9/years. Understanding interest is added to my loans why do I still owe {$56000.00}. I've paid $ XXXX. plus an extra {$2000.00} on 2 loans to principle only ( this is not added in the {$63000.00} ). What is Discover Student Loans doing with my payments.
Product: Credit reporting

I had applied for a mortgage loan and was denied and provided a copy of my credit report. To my surprise I found multiple accounts listed on my credit report that do not belong to me. I sent a letter certified mail to Equifax , which was delivered and signed for on XXXX/XXXX/2015, disputing the inaccuracies, primary a inaccurately reported judgement listed as XXXX is unacceptable that the items are still listed on there. The same items were disputed with XXXX and removed, due to the facts that they are not mine and were reported inaccurately. 
Equifax is directly and negatively affecting my ability to not get a home loan. I find it highly impossible that Equifax is reporting information correctly on me and others and this is unacceptable. There are numerous complaints listed on the XXXX website, this site as well as other sites and this seems to be a common complaint.
Product: Student loan

XX/XX/XXXX - Borrower Defense request submitted to the Department of Education under new guidelines from the Biden administration stating that loans from predatory schools such as XXXX XXXX XXXX XXXX now qualified for forgiveness, discharge, and potential refunds. 

XX/XX/XXXX - Notification of loan servicer changing to MOHELA after XXXX closing. 

XX/XX/XXXX - Borrower Defense application approved. Part of the XXXX class of the XXXX XXXX XXXX settlement. Letter states that I am entitled to a full discharge of my direct federal student loans as well as a full refund of any and all payments made, including interest, by XX/XX/XXXX. 

XX/XX/XXXX - MOHELA sends an email about signing up for IDR repayments even though the loans are in the discharge process, and payments do not start up again until XXXX XXXX XXXX. They attempted to get me to sign up with this program via email and paper mail even though I was told by the FSA to make NO payments towards these loans. As of this date, no movement had occured on my loan forgiveness. 

XX/XX/XXXX- I received a letter from MOHELA saying my account was last due and it was too late to sign up for IDR. I called FSA and was told to contact my loan servicer. I called MOHELA only to be put on hold for XXXX hours before finally reaching a person ( their website couldn't provide any information ). I was informed that this was just a generic form letter and to ignore it. 

XX/XX/XXXX - Message sent to MOHELA in regards to the upcoming deadline as I still had an outstanding balance of nearly {$16000.00} of direct consolidated federal loans. Included a complaint about the long wait times and difficulty reaching customer service for answers. They said to expect a response in XXXX business days. 

XX/XX/XXXX - multiple calls made to MOHELA. I was on hold for an hour only to have all subsequent calls dropped. XXXX  days past the deadline for full resolution. 

XX/XX/XXXX - call made to MOHELA. Had to wait nearly an hour before reaching someone. I inquired about the status of the discharge only to be told it was " in progress '' and couldn't provide any more information. 

XX/XX/XXXX - message from MOHELA in regards to the phone call. But did not address the message I sent back in XXXX. I STILL HAVE NOT RECEIVED A RESPONSE TO THIS MESSAGE AS OF XX/XX/XXXX. 

XX/XX/XXXX - Loans are finally zeroed out on both MOHELA 's page and the FSA page. However I still have not received a refund for the discharged loans. 

XX/XX/XXXX - called MOHELA for an update only after waiting for XXXX XXXX to find out that their customer service hours changed and the call was disconnected. No information is available on the website in regards to the status of my refund.
Product: Credit reporting or other personal consumer reports

Experian has failled to fulfill its legal obligations under the fair credit reporting Act ( FCRA ) to conduct a reasonnable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts on my credit report. The CFPB 's ongoing legal action against Experian highlights systemic failures in their dispute-handling process such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and not adequately notifying the consumer about the dispute outcomes with verified evidences. My experience aligns with the allegations that Experian routinely performs sham investigations, further supporting my claim. Despite multiple attempts to resolve these issues, Experian continues to report erroneous and harmful information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Experian responded that the accounts were verified, but no supporting documentation or proof of investigation was provided, as required by FCRA 1681i ( a ) ( 6 ). I am requesting immediate corrective action to remove or amend the disputed accounts, as these inaccuracies have negatively affected my ability to secure housing, loans, and other financial opportunities. 
As a consumer, my constitutional rights to equal access to credit and housing are being compromised due to Experian 's failure to ensure accuracy.
Product: Credit reporting or other personal consumer reports

I have not authorized these hard inquiries they are the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX 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 personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX BANK on XX/XX/XXXX with a balance of {$5700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. 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: Money transfer, virtual currency, or money service

On XX/XX/2023 {$2400.00} was taken from my cash app account fraudulently. On XX/XX/2023 another {$2400.00} was taken without me knowing again. Leaving my account in the negative. After disputing both transactions, cash app refunded the first XXXX which reflected in my already negative account. They then claimed that the second transaction wasnt fraudulent and has never returned the money owed to me. I trusted cash app as I didnt have a bank at the time for me to receive my student refund check. I am now a struggling college student.
Product: Debt collection

I have an old outstanding credit card debt that I am currently paying to a debt collector, USI Solutions , Inc. on a monthly bank draft for {$150.00}. The debt collector assigned to my account will call me to attempt to close out the account with an agreed amount, which I have not been able to do. If I do not answer the phone for any reason, he immediately calls my sons, wife, and an old business partner which have nothing to do with my debt. I 've tried to reason with him and have told him to stop calling people who have nothing to do with this, but he persists and continues to call them, actually calling one of my sons this morning three times within a XXXX minute period on his cell phone. I want this to stop. I have an agreement with them, and I 'm doing my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America reportedly announced me as guilty of check fraud because I had reported it and drawn funds against a check I had deposited. This was then used against me by XXXX XXXX  using XXXX   XXXX  as a credit reporting agency. 

XXXX  is waiting for an associate with XXXX XXXX to admit that she had made payment arrangements before the payment was late. This has since been paid in full but still holds up my credit report somehow, further impeded by the multiple efforts to get a mortgage refinance so I can get out of debt sooner. These inquiries, about 50-60 total, also hold up the process.
Product: Mortgage

Due to major cutbacks at my husband 's job, we inquired about a modification from our loan company and our deadline was XX/XX/XXXX. I got all the necessary paperwork and faxed the packet XX/XX/XXXX. I completed a prior modification in XX/XX/XXXX and had no issues at all and we were granted a lower payment. This time around was totally different. The loan company told me to give them 7 days to review the packet ... so XX/XX/XXXX I started calling to see if they accepted the packet. I needed additional information so I faxed it over waited 3 days and called. They had excuse after excuse ... they told me my 1 and my 2 were too close together for my zipcode. So I sent it again. Then they said the tax forms was missing a signature. I sent that 4 different time. Turns out they were requesting wrong year tax return. My relationship manager was never available I kept getting people who had no idea what they were talking about. We went back and forth until XX/XX/XXXX when they finally accepted the packet. When I received the final copy, we were supposed to review it and sign it. Still after 5 months they somehow got our income wrong so we didn't sign it and I called our relationship manager he  told me to resend copy of paycheck stubs and he would fix it. So I did and called back 2 days later and my relationship manager was transferred to a different area due to a hurricane. No one at company knew anything about my account. So we got a regular statement with our trial payments and first one was due XX/XX/XXXX. So I paid it. XX/XX/XXXX the next one was due when I tried to make payment they said they wouldn't except my payment. Finally after 2 days of calling and speaking to at least 4 different employees one lady finally acted like she cared and gave me the obudsman number. I called them they couldn't believe my experience I had been having but the only thing she could offer was another loan modification. A couple days after our conversation we received the forclosure letter. We were then forced to file bankruptcy and now are drowning due to my lawyer and all the fees to go along with bankruptcy. Bottom line we have lives in our home for 10 years we've raised XXXX kids here and have paid over 30000 towards our loan. We are currently involved in a class action lawsuit against loam company. We need help
Product: Credit reporting or other personal consumer reports

My private information is being reported to and by the 'big 3 ' credit reporting agencies, XXXX XXXX XXXX XXXX and Experian, without a permissible purpose, without my consent and it infringes on my right to privacy. The specific accounts in question at this moment are the following : ( XXXX XXXX XXXX XXXX / account # XXXX ) & ( XXXX XXXX XXXX XXXX XXXX / account # XXXX ) I was never provided a 'Reasonable Opt-Out ' pursuant to 16 CFR 313.7 ( a ) ( 2 ) ( ii ). As a consumer of a financial institution, I have a right to privacy, and a continuing right to Opt-Out of the sharing, reporting and disclosure of my personal, private information and creditworthiness. I've previously mailed and faxed my own 'Opt-Out ' Notice to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also gave notice to XXXX XXXX XXXX XXXX XXXX as well via CFPB complaint numbers XXXX & XXXX, also reference 16 CFR 313.10. Take this complaint as my last exhaustive attempt to resolve this matter non-judicially. These accounts are being furnished and reported without my consent, infringing on my right to privacy, without a permissible purpose pursuant to 15 USC 1681b ( a ) ( 2 ), violative of the FCRA, the Privacy Act, my constitutional rights to privacy and it's a defamation of my character, reputation and creditworthiness, as well as inaccurate. YOUR COMPANY HAS BEEN FORMALLY NOTIFIED OF THE ABOVE AND REQUESTED TO REMOVE THE ABOVE DEFAMATORY ACCOUNTS.

Please take note of the following referenced laws your company is responsible for following : 15 USC 1681b 15 USC 6802 15 USC 6805 15 USC 6821 15 USC 6823 15 USC 6827 16 CFR 313.7 16 CFR 313.10
Product: Credit reporting or other personal consumer reports

On XXXX Jefferson Capital Systems reported an account with a Charge off/Collections status onto my consumer report as well as a remaining balance of XXXX, I requested that the company provide the original agreement and I have yet to receive anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 2 FTC report with fraudulent accounts and fraudulent inquiries
Product: Student loan

I recently had my loans transferred to XXXX after applying for the PSLF progam. I submitted my application in XX/XX/XXXX. My loans were transferred from XXXX to XXXX in XX/XX/XXXX. When I received my first bill from XXXX it said that I had made 0 qualifying payments for the PSLF program even though I have been repaying my loan since XX/XX/XXXX. I called XXXX in XX/XX/XXXX to see why there were no qualifying payments and they said that they would open an investigation, but that it could take 60 - 90 days to get the information and add it to the account. 
I called XXXX again on XX/XX/XXXX to check on the status of their investigation. I was told that it was still an open case. I asked to talk to a manager so that I could get a better understanding of where they were in the process. The manager told me that 60 - 90 days is not possible and it may take two years to determine the number of qualifying payments being made. Meanwhile, they have not even counted the payments I have made through XXXX as qualifying payments. 
Obviously, I am shocked by the two year wait time. We are supposed to resubmit verification every year, but it takes two years to process? I am extremely concerned that the payments will not be counted, that I am on the wrong plan or that when my ten years of payments are made it will take a few more years to process. If payments are not being counted, I can not wait two years to find out. I am a XXXX XXXX XXXX and the cost of my loans is excessive.