23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Per the FCRA as a federally protected consumer, I have opted out from any written, unwritten, verbal or non verbal authorization as per 15USC6802-5. XXXX XXXX HASNT FURNISHED ANY 1099-C Documents to ensure this charge off was reported to the IRS. INCOME Transactions can not be reported and since a charge off is income selling it as a debt is unlawful and violates privacy act of XXXX as Portfolio recovery has done. Also XXXX XXXX  has done
Product: Mortgage

My home is in a Federally Declared Disaster Area because we were hit by Hurricane XXXX on XX/XX/XXXX. My loan servicer, XXXX, told me that, because my loan is backed by XXXX XXXX and is current, I automatically qualify for a forbearance ... .that my next 3 payments did not need to be paid, and would be added to the end of my loan and that there would be no impact to my credit. XXXX then transferred my loan to another servicer, SLS. During the interim, I received delinquency notices from XXXX, as well as a notification of my housing options ... ..that I could sell my home to avoid foreclosure, do a short sale, and should look for more affordable housing. I also received my very first communication from my new loan servicer, SLS, which was a delinquency notice. I called SLS and was told that they see that I am in a 6 month forbearance, and at the end of the 6 months, ALL 6 PAYMENTS WILL BE DUE ON XX/XX/XXXX, so I should make my payments during the forbearance. I explained that was not what I was told by XXXX and they told me that I should contact XXXX. I called XXXX, asked to be escalated to a supervisor, was put on hold for about 20 minutes and then transferred to a dead voicemail and disconnected. Since that time, XXXX has sent an inspector to my home, when I called to ask why, SLS told me that they do that in case they have to take my home away, they want to make sure the property is being cared for. XXXX has reported me as 30 days past due to the credit bureau. SLS sent me a loss mitigation packet, notifying me of my options for foreclosure, short sale etc because my account is seriously delinquent. I contacted XXXX XXXX, who verified that my property is in a Federal Disaster area and therefore qualifies for a 6 month forbearance. They told me that the loan service companies ARE NOT ALLOWED TO TELL ME TO MAKE PAYMENTS DURING THE FORBEARANCE PERIOD, ARE NOT ALLOWED TO SEND ME DELINQUENT NOTICES, ARE NOT ALLOWED TO THREATEN TO TAKE MY HOME, AND CAN NOT REPORT ME TO THE CREDIT BUREAU AS LATE. Furthermore, at the end of 6 months, I have the option of adding those 6 payments to the end of my loan. I have been harassed by XXXX and SLS repeatedly during hurricane recovery.
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.

XXXX 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 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 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, credit repair services, or other personal consumer reports

I sent one of my first letters to the three credit bureaus to dispute the accuracy of student loans from the Department of Education ; with the account numbers XXXX on or about XX/XX/XXXX. Among the inaccuracies I listed was that the Department of Education, and DEPTEDNELNET duplicated similar derogatory information for the same student loans. It is negligent for TransUnion to allow Department of Education and DEPTEDXXXX to Morph or duplicate negative credit information for the sole purpose of injury. After 73 days of inaction, it is clear TransUnion doesnt want an amicable resolution. 
Another inaccuracy with the Department of Education account on my credit report is the date a single account was opened. Transunion is : XX/XX/XXXX and Experian is : XX/XX/XXXX 5 U.S. Code 1681i : Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer I have attached my account information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX You will see that my student loan is in Forbearance. 
A fair resolution is for TransUnion and XXXX  to immediately delete the four Department of Education accounts listed on my credit report for not complying with FCRA.
Product: Credit card or prepaid card

I AM THE NATURAL PERSON AND CONSUMER AND THIS IS NOT A CREDIT REPAIR COMPANY. According to 16 CFR 433.1 I the affiant has reason to believe and do so believe a purchase money loan, cash advance was given to CONTINENTAL FINANCE as the creditor from the U.S. Treasury for a finance charge and the consumer credit was to be forwarded to the consumer or natural person, I the affiant, in this transaction for household, goods, and services in exchange for disclosed, limited and authorized use of the negotiable instrument, social security number or credit card and signature I have provided, which are all properties which belong to I, the affiant, so be it. Pursuant to 16 CFR 433.2 In connection with any sale or lease to a consumer, such as I, the affiant am aware, a contract must include the provision described in 16 CFR 433.2 ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against CONTINENTAL FINANCE in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recovery any amounts paid and its proceeds. I have claim to the interest and the proceeds of each trade and instrument in accordance with UCC 3-306 with the possessory right to both the instruments and the property. I'm also aware in accordance with 16 C.F.R. 433.3 CONTINENTAL FINANCE is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as I, the affiant, may invoke, his rights as the debtor in this consumer credit contract against CONTINENTAL FINANCE for the unfair and deceptive practices as no contract after the date of XX/XX/1977 is exempt from 16 C.F.R. 433.3. A Promissory note is a negotiable instrument. CONTINENTAL FINANCE has committed aggravated Identity theft and is still benefiting from my intellectual property.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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: Money transfers

i got a phone call from someone stateing i was chosesn to recive a government grand and could recieve it though western union. all i had to do was send a deposit for my money to have a hold and would get the money bk with the grant so i send the money waiting to get a tracking number then was told to call another number for the federal reserve bank. i call them and they want me to send more money i said no and i wanted the money bk from which ive already sent they say they cant do that because it has all ready been processed. i dnt know wat to do to get my money bk now.
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 U.S. Code 1681i - Procedure in case of disputed accuracy Party Owed : 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 - Account : XXXX ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 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 I want to make this clear that this is I, XXXX XXXX and not a credit repair company sending out this notice to you.
Product: Credit reporting or other personal consumer reports

Please review the company report from checking on the verification. 
Dont accounts charge off after 150 days? 
Why this account was charged off at 120 days?
Product: Prepaid card

I was provided a visa gift card for XXXX and XXXX other occasions that were purchased from XXXX  are unable to register the card to a billing address which means that you can not use it at any merchant in-store or online as a credit you can only use it if you were doing a debit in the store and most people purchase online as I do because I am homebound due to a XXXX and XXXX XXXX so I order all of my groceries and life necessities must be ordered online and pay my bills online etc. and a family friend who is like an XXXX sends small visa gift cards as little bit of help {$25.00} or {$50.00} a few times a year. They used to work until she had to start purchasing at XXXX  with XXXX XXXX serviced by XXXX XXXX XXXX and since she has been purchasing these I cant use them. XXXX of them were refunded but now the card company is blocking calls and I read online on XXXX and several other sources that floods of people are having the same issue and it is theft because they are selling cards that can not be used and XXXX hold responsibility as well because they are selling cards that cant be used and they should be changing merchants as I even had vanilla cards that worked because you could add a billing address. The merchants decline the transaction if it doesnt have billing information. You can only use them if youre in store using a debit and due to my condition XXXX cant shop in store. XXXX is selling XXXX gift cards that are issued by XXXX, and they are distributed and serviced by IN XXXX  Financial services Who does not service them by answering the phone and providing customer service with the phone number of XXXX website my XXXX They refused to speak to customers on the phone and they dont have an area where you can send information on their website as it is Unprofessional and simplistic kindergarten type website where you can not enter information for problems. 

They need to be fined and shut down or forced to refund people that have been given these cards as they are not usable. It is left and then this company gets to keep the money and not ever pay out so it is a con.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle loan ( for lease ) with XXXX XXXX XXXX together with my brother ( he was co-signer ), and the account was paid on time throughout the lease term. It was opened in XXXX and should be closes in XXXX, but, unfortunately it is still showing open.
Product: Checking or savings account

I bought a purchase through a company called XXXX. They automatically withdraw money each month in order to pay off of the purchase. This was all legitimate. 

When they charged me last month I did not recognize the charge so I called Chase on a recorded line ( on XXXX around XXXX ) to inquire who the vendor was ( it hadn't processed yet ). I was told that it was for food, which ended up being untrue. But having been given false information I filed a dispute. 

Once I became aware that the charge was indeed legitimate, I called back and cancelled the dispute. But, in the time that it took to resend the funds to XXXX, I had already been charged again ( charged on XX/XX/XXXX and claim reversed on XX/XX/XXXX ). 

And so, I filed another dispute on XX/XX/XXXX to explain what had happened and make them aware of the double charge. I was given my money back but then they reversed it again on XX/XX/XXXX. So I have still been double charged. 

At this point, Chase is refusing to get my money back despite the fact that I explained ( several times on the phone on XX/XX/XXXX and XX/XX/XXXX ) that this was a double charge. They admitted to seeing that it was a double charge but continue to refuse to do anything about it. I let them know that this essentially makes them a willing participant to a theft, but they don't care at all. 

They told me to contact the vendor, despite the fact that it could take up to 45 days for the vendor to see the charge. The vendor is disputing having received the extra money, so I am completely unable to get MY money back that was illegally given to this vendor.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, alleging system issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

7 COUNTS OF FCRA VIOLATIONS REMEDY : COMPENSTOURY DAMAGES, PUNITIVE DAMAGES ( {$200000.00} ) XXXX XXXX VS. NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX PLEASE SEE MY EXHIBITS ATTACHED PROVING FCRA VIOLATIONS ( see the attached ) For the past 24 months i have submitted certified letter dispute pointing out to the company 1692 FCRA violations yet they refuse to remove the in accurate information and account. I have even seek the CFPB assistance and the inaccurate accounts remains. See company willfully and negligently verifying the inaccurate account for twenty 24 months. For the last time please take a look at my attachment and follow along : Item # NAVY FEDERAL # XXXX REFORTING TWICE ITEM navy fedearl # XXXX Reporting twice with different payment dates for the same account number. ( see exhibits ) 1. Navy Federal Credit Union have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. Once again they reported the same account closed several times twice also with different closing dates and date of last payment. Such as Account closed on XX/XX/XXXX, The same account closed again on XX/XX/XXXX and reporting as two seperate accounts on credit report : ( see the attached ) Questions : 1 How can you verify the same account numbers reporting twice on a credit report? XXXX, XXXX and XXXX are also liable and in violation. 2. How can you say you call the company and verified reporting inaccurate information for 36 months of disputes? 3. How can you close the same account twice at the same time on a credit report with different closing dates? ( see credit report exhibits ) This is inaccurate and a violation of FCRA laws. I now have enough 36 months credit reports and responses from all XXXX, XXXX and XXXX to prove FCRA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. Rather than wasting time on a lawsuit i keep pointing out these errors yet they willfully and negligently refuse to remove the inaccurate information from my credit report. If they fail to remove these two items for my credit file by XX/XX/XXXX i will move to file a FCRA complaint in Federal court where i will ask for compensatory and punitive damages for {$200000.00} for the damages this inaccurate reporting have caused me for the past 36 months. The CFPB can verify my many disputes regarding this matter and the company responses which i also intend to use as exhibits in my lawsuit if filed. For the last time i urge you to take a close look at the attached file/credit report showing the FCRA violations mentioned.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - Account # XXXX Amount - {$490.00} This account was purchased by a third party collection agency. XXXX XXXX paid a dollar amount for it, therefor reducing the original amount. So the dollar amount is WRONG on this account. This is a violation of - 15 US code 1681 ( e ) Inaccurate and invalidated credit information. Also I do not have a contract with XXXX XXXX and there is no original contract. Please remove this account from my report.
Product: Credit card

This company is now " charging off '' the account after I provided the legal tender. I have requested on numerous occasions that I be supplied with financial documents - XXXX XXXX Related Party Disclosures- XXXX XXXX Receivables XXXX XXXX XXXXXXXX Liabilities - Full Disclose of Assignment of Note - Any/all endorsements and allonges of NI. Nothing has been sent to me and I have been ignored on all occasions. I have the right to request the documents per UCC 9-210 ( b ) the duty to respond is within 14 days. At the time of opening, I was considered a minor of the account, I voided/rescinded the contract per the Baby Act, due to fraud, lack of disclosure, and lack of consideration. They were informed that I never abandoned these securities. I am the entitlement holder. They can no longer assume or presume that I am lost at sea. I signed a negotiable instrument, not just a contract. I never received a " loan '' from this entity, rather, they borrowed from me.
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. 

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 ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, ( Original Creditor : XXXX ) XXXX, 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

I've request document from NMAC which the company never followed up with my request. This company has cause me financial hardship which has put me in a terrible financial obligation. I am trying to buy a home for my family, but I unable to due to the unprofessional way I've been treated by this company. They have violate my consumer rights and this does not meet the FCRA. 

NMAC account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The is incorrect and things did not happen that ways and car was delivered to then with payments and the car was sold at aution and the is not supposed to exits
Product: Credit card or prepaid card

I have had major issues with 2 different cards now. 

I loaded {$500.00} on one Western Union card but the card has never worked.

I loaded {$30.00} on a PayPal card and it doesn't work.
Product: Debt collection

I have been receiving calls from Frost - Arnett. At the beginning of the call they advise that the call may be monitored or recorded. They ask if I am ____ ____, I say yes you are speaking with _____ _____. I then ask them what this is about. They then say they are a financial company calling me about a financial matter. They then tell me I will have to verify my date of birth and social security number before continuing to disclose the reason for the call. I advise that I do not release this information over the phone, and I do not believe I have any financial dealings with them. 

I further ask the name of there company, and who I am speaking with, as this was not provided at the beginning of the call. I was given the name of the company Frost - Arnett, and first name only of the person calling. 

I then further ask them if they are a debt collector, and are they attempting to collect a debt. The representative tells me they will not disclose the matter until I further verify myself. 
1. I have not received any notices from the company 2. I thought they had to disclose this as an attempt to collect a debt upon the person stating that they were speaking with the person they were calling.

3. I had a difficult time to reach a manager to voice my concerns regarding their practices. 
4. I advise them that they must disclose the reason for the call, and they failed to do so. 
5. Therefore, I requested no further communication from them, and that they dissolve any debt that they think that I may owe them, as they will not provide me any information. 
Is there any further action I can take against these deceptive practices? 

Thanks, Concerned Consumer