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 Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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 : XXXX XXXX XXXX Account Number : XXXX Account Name : 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: Debt collection

I have put in a number of disputes ( most of which wont generate in their system ) about a collections account for XXXX  XXXX. I have reached out to XXXX XXXX on a number of occasions in which they have requested Equifax to remove the collections from my report. I paid this account off in XX/XX/2020 and was recently denied a home loan because of it. Even after disputing the account with Equifax and the dispute stating the account will be removed, it is still there and negatively affecting me in more ways than one. I believe this is the second complaint I have submitted to CFPB in regards to this matter. I am requesting this account be promptly removed from my credit report. Again, both I and the creditor have asked for this account to be removed
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 a fee due to lagged postings of charges and credits. This issue aligns with the 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: Debt collection

XXXX sent a bill that was the size of a post card, mistakenly was thrown away. Received call about debt, immediately paid XXXX once outstanding debt was realized ( paid XX/XX/2016 ). Have since rudely and aggressively been bothered by National Service Bureau to pay this debt which has already been paid. Have contacted XXXX 3 times and they have claimed to resolved this on their end, however, phone calls do n't cease and National Service Bereau keeps calling and forcefully telling me I need to pay something I 've already paid. I 've advised them to refer to XXXX, but they keep calling!
Product: Credit card or prepaid card

Dentist came up with a plan for {$3000.00} and enrolled me in Care Credit a year ago. Today I was hit with nearly {$900.00} interest because the balance wasn't paid in full. 
I was not properly informed of the terms or how this account was structured. The dental office staff suggested I apply for this credit line because they had a 12 month interest free offer going on. 
I went in because of a toothache and was up sold into a " bacteria analysis '' and deep cleaning. I really just needed the pain to stop. The pronlem tooth was not pulled, the dentist decided a different needed to be removed. So I still have the same broken tooth bothering me and after paying $ XXXX for a year I still have a {$2900.00} balance. My credit scores have plumetted. After I pay down the balance, care credit would reduce my credit line below my current balance, making it appear as if I was overmy limit.
Product: Credit card

I have a CareCredit account through Synchrony bank, they were charging over {$50.00} a month since I opened the card for something called consumer protection. I called today and told them I never signed up for something like this and they gave me a different phone number to call. I called and they told me I signed up at the merchant I got the card for. The problem is, I signed up online, there was no merchant to sign up at. The place is XXXX and its internet based. Also, when I called the company they did not have my correct address, so if I signed up at the time of opening the card with the merchant, then wouldn't the XXXX AND this company have the same address. They have a different address. Care credit said there was nothing they could do because I signed up, I asked them to send me something that shows without a doubt that I signed up for this and nothing can be produced, she said I'm sorry ma'am there is nothing I can do to help you. They have charged over {$350.00} in fees to my account since XXXX. I simply want it refunded as I did not sign up for this program and no one can provide proof that I did.
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  ( better known as XXXX ) No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written consent of the individual, to whom the record pertain to. ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). Canceled debts states that a charge off is considered a certificate of indebtedness which means it is income that can not be reported to consumer reports ( IRS Publications 4681 ). Any person who willfully fails to comply with any requirement imposed with respect to any consumer, is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure of damages of not less than {$100.00} and not more than {$1000.00} ( FCRA, 15 U.S.C. 1681 ( n ) ( a ) ( 1a ) ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).
Product: Debt collection

continued action taken to collect a debt that is not mine I have asked the company to provide proof and validation of debt under FDCPA guidelines Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

phone calls and letters have been non stop after I sent letter to cease and desist until debt can be validated as of this time they have failed to comply
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute inquiry letter was sent certified mail on XX/XX/XXXX and received by the company on XX/XX/XXXX. The dispute was that an unauthorized inquiry was made and reported to my credit report on XX/XX/XXXX. The company advised a digital credit application was received. I was not provided significant proof from this company proving that the inquiry was made by me. I did not authorize this inquiry.
Product: Checking or savings account

This has been a horrible experience it is XXXX I am without funds due to Bank of America closing my account. I called risk and closure on XX/XX/2023 to follow up about me picking up a check at a Bank OF America XXXX when speaking with risk and closure I was told XXXX cleared to pick up the check at any branch just call XXXX & XXXX if there were any issues. I make an appointment to go to the Bank Of America XXXX located at XXXX XXXX XXXX XXXX, CT I get a call from a banker by the name of XXXX who works at the branch she stated during the call she contacted whomever at Bank Of America and was told the check was sent out in the mail and that I could not open any accounts due to this being the bank 's decision. After the call with XXXX I immediately called risk and closure and spoke with a rep about why the check was sent in the mail the rep said the check was sent in the mail due to me not picking up the check on XX/XX/2023 when the rep stated this I found this to be very odd due to the fact that when I spoke with risk and closure there was not a set timeframe for me to pick up the check. Nonetheless, it is XX/XX/2023 XXXX XXXX and XXXX without any funds this is not ok at all bankers and corporate can enjoy their holiday with their families and people like me are without and can not enjoy anything I do not find this to be correct XXXX the victim however XXXX treated as a criminal. For the last month, this has been such a horrible experience no one at Bank Of America can talk or advise no one gives you a call, and most of all no one is knowledgeable about anything I go through hurdle after hurdle not achieving anything just a waste of time and phone calls.
Product: Student loan

I have been trying to get my loans removed since Ive heard about the XXXX situation not only have Ive been harassed numerous times about the loans but they promised me a job in the medical field and majority of the health facilities I attempted did not take XXXX interns ... its been 8 years and on my credit I have an outstanding balance for student loans thats the only thing hurting my credit score and stopping me from purchasing a home.
Product: Mortgage

This is in reference to my last complaint # XXXX, I was working with XXXX XXXX to rectify the foreclosure that was filed against me. I had until XX/XX/2023 to submit the necessary documents, which were submitted on XX/XX/2023 to prevent foreclosure to receive loss mitigation. I corresponded with XXXX on XX/XX/2023 and I have not received a response to my inquiry and corresponded again on XX/XX/2023 to confirm receipt of the documents, as the loss mitigation fax machine was busy or not plugged in and I have not received a response. Since, the loss mitigation fax machine is out of service and I'm not sure if my documents were sent to the loss mitigation department, which is why I am sending a second complaint. On XX/XX/2023, I was served with a summons for foreclosure from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, while trying to reconcile with PNC. I need to know, if PNC is continuing to foreclosure on the property, while I am trying to simultaneously resolve the issue. That way I can prepare my family. I corresponded with XXXX on XX/XX/2023 and I have not received a response to my inquiry and corresponded again on XX/XX/2023 to confirm receipt of the documents, as the loss mitigation fax machine was busy or not plugged in to receive faxes and I have not received a response. Since the loss mitigation fax machine is out of service and I'm not sure if my documents were received is the reason why I am sending a second complaint since I have not received a response. In addition, I need to know if I am not qualified for the loan modification, and if that information is withheld from me, while PNC is moving forward with the foreclosure proceedings since I was served, is considered a violation of foreclosure fraud according to Maryland law. I need to know several things and I prefer for all correspondence to be in writing via email moving forward. First, if the documents were received. Second, if I still qualify for a loan modification, and last my request to withdraw the petition/summons for foreclosure.
Product: Student loan

On XXXX I received an email that my loans were coming due at the beginning of XXXX. The notice stated I would be notified of my payment due dates and amounts. Since then I have logged into the user portal many times to check the status, documentation, statements list, and notifications. There is nothing showing how much I will need to pay monthly or what the due date will be. There is a dashboard notice that lets me know I have been placed on Administrative Forbearance for the first month of payments, with no indication of when the " first '' month is. I have called four times and been placed on hold for over 2 hours each time only to be disconnected. I have sent two emails and received an automated response both times stating they were sorry but they won't be able to get back to me. Both emails provided links to common questions, that were neither specific nor helpful. The website advises you to review loan repayment plans but only provides a range of possible repayment amounts. For example, it will say the repayment monthly cost will be {$510.00} - {$1200.00} depending on eligibility. There is nowhere to actually sign up for a payment plan and advises you to call the number. At this point, I'm not sure what to do and this service provider has a history of marking your account as delinquent ( which is reflected on your credit report ) without providing you the due dates or amounts due.
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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as a charged off every month. this is an updated in the payment history. A charged off account shouldn't include an active payment history. this inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after i asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against MIB , Inc. for two specific reasons : Unauthorized Sharing of Consumer Information : MIB , Inc. collects and shares sensitive medical information with third parties, including insurance companies, without my explicit consent. Despite requesting that they cease sharing my information, I have received no confirmation or action to stop these practices. I am concerned that my personal data continues to be used for underwriting purposes without my authorization, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Failure to Provide a Consumer Report Upon Request : Under the FCRA, I am entitled to receive a free consumer report from MIB, Inc. upon request. I requested a copy of my report, but they have not provided it within the legally required 15-day window. This lack of response is a clear violation of federal law, as I have a right to review the information that MIB, Inc. holds about me.
Product: Credit reporting

I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( Equifax , XXXX, XXXX ). I submitted a police report, FTC report and letter XXXX times and they refuse to remove these in violation of section 605B. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information. 

The inquiries listed below must be removed no later than 4 business days : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, MI XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I paid off a First Progress account back on XX/XX/year>. I settled the account paid in full with the debt collection agency called XXXX. I have asked First Progress multiple time to send me a email stating my current account status with them and they have told me to call XXXX  because they no longer have access to my account. However, First Progress is still reporting the account as an collection on my credit report as of today.
Product: Debt collection

I recently reviewed a copy of my credit and notice I had a fraudulent account on my report from XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have never received any validation forms from this company as per 15 USC 1692 ( a ) ( 4 ). Please remove this account from my report because they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

We traded a XXXX leased XXXX XXXX XXXX in XX/XX/XXXXXXXX  for another lease ( XXXX XXXX XXXX XXXX ). The payments were rolled into the new lease. XXXX XXXX ( XXXX XXXX, MI ) never submitted the lease term payoff on the XXXX lease. I have asked for proof of payment, and XXXX has not been able to provide. The vehicle balance is showing as vol repossession with Ally Financial Account Recovery team of approx $ XXXX {$280.00}. This has impacted myself and my cobuyer credit reports. I have attempted to resolve with dealership and keep getting the runaround.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking of information on my credit report resulting from identity theft under Section 605B of the FCRA. I have been a victim of identity theft and the following entries on my credit report are fraudulent. Accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

SPS/Select Portfolio servicing is changing their address in reporting to XXXX  this fraud ; ent accccount. SPS/Select Portfolio Servicing is providing false account updates to show the account being paid down and reporting it as an update to XXXX. SPS/Select Portfoio is providing and false information of having corresponding with me in their reporting of this FRAUDULENT ACCOUNT and having it updated each time I dispute it with XXXX. It was showing as current by XXXX  based on their false reporting of information they supposedly recieved from me. 
Then in a week or less after each dispute I make to XXXX  I receive an update from XXXX  that the the fraudulent account is now late and the reporting address hanges from a po box to a physical address in Utah. I asked SPS/Slect Portfolio to CEASE AND DESIST under the FCRA/FCDPA. SPS/Select Portfoilio continues to report a fraudulent account in my name. 
I contacted SPS/Select Portfolio Servicing as they had accessed my credit file and reported to XXXX, XXXX, and XXXX  an account established in my name fraudulently. I contacted SPS/Select Portfolio Servicing on XX/XX/XXXX, and XX/XX/XXXX disputing the account to SPS/Select Portfolio Servicing and providing them with two separate police reports of identity theft naming SPS/Select Portfolio Servicing. I then notified Select Portfolio Servicing to CEASE AND DESIST under the FCRA on XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX. I AM THE VICTIM OF FRAUD. 

On XX/XX/XXXX ; I mailed another letter of dispute with a CEASE AND DESIST to SPS/Select Portfolio servicing via CERTIFIED MAIL to their Utah and XXXX Florida office.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$10.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$78.00} XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00}