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

XXXX, XXXX, and Transunion all violated my consumer rights to privacy under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out. 
( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

At no point have I been given an such correspondence as to the methods listed in 15 U.S. Code 6802. Only after extensive research, I happened across the information in these codes, as well as The Privacy Act of 1974, a United States federal law, which establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

XXXX XXXX  - Credit usage, balances, and payment history displayed XX/XX/XXXX - XX/XX/XXXX XXXX XXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - Present XXXX XXXXXXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - Present In accordance with the Fair Credit Reporting Act, as a federally protected consumer, I am now exercising my right to opt out of any and all authorization I the consumer may have given you, written, unwritten, verbal, nonverbal, and otherwise per 15USC 6802.
Product: Credit reporting or other personal consumer reports

I've already sent a letter to the Bureaus about the mistakes and unknown entries on my credit report, but I still haven't heard back after 30 days. It feels like I'm being ignored, and my disputes aren't being taken seriously. Per Section 611 ( a ), if these issues aren't looked into within 30 days, they should be removed from my report. Since it's been over that time, I expect these accounts to be updated right away. If that doesn't happen, I might have to consider legal action because this whole situation has been really stressful for me. Plus, my info was impacted by the XXXX, XXXX, and Transunion data breach, which makes me worry about the safety of my personal data.
Product: Money transfer, virtual currency, or money service

I made a mistake when I withdrew, the mistake I made was, I had the wrong name for the bank account holder, so the money was pending, and the receiving bank suggested contacting the sending bank. Here 's the chronology : XX/XX/XXXX, I made a withdrawal in my IBKR account, and I made a wire transfer to XXXX, and the process changed to being sent after 2 working days, but my money had not yet entered the destination bank account with a pending status because the name and destination bank account number was different, I hope my money can return to my IBKR account
Product: Student loan

I have n't worked in nearly 3 years and I am on income based repayment with Navient. Navient took over my student loans, which were with XXXX, prior. I 've heard a story about how many consumers with loans through Navient are being mistreated. I believe I am one. Being on income based repayment, I assumed they would lower me to the lowest amount I needed to pay to stay on top of my loans ... .wrong. I pay {$29.00} a month on my 28k+ student loans. Every month, after I make my payment ( always on time ), the balance does n't go down ... it goes up. This month I even paid a bunch extra and my balance still grew. Every month it appears to grow somewhere around $ XXXX- {$50.00}. In my opinion, I strongly believe that Navient is well aware of this and is not really doing right by their consumers. How can I ever get on top of my loans, if this is what they are going to do? I ca n't. Not at this rate. Any help would be greatly appreciated. If this is happening to me, it must be happening to a lot more. For me and my family, and the others who are going through this, please help. Thank you.
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 XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit reporXXXX 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 XXXXXX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

We have always had a GM rewards card, but recently it was changed to Marcus as the administrator. At that time we weren't really using the card very frequently due to not needing the rewards as much. We had received a bill for a small amount, {$8.00}. Not sure what it was but found out it was some sort of recurring charge from XXXX so I contacted XXXX and stopped that and then paid the card balance of what I thought was XXXX. There must have been an additional XXXX of interest from the last statement that I was not aware of. When I made that payment, I was under the impression I was paying the balance in full and we did not have any plans on using the card anymore. No more paper statements or emails from them until XX/XX/XXXX, which at that time says I have a balance of {$36.00}. These are all charges from that XXXX. I called in XXXX and they told me they would look into waiving these. Never heard back and continued to get emails and notice that my account had been closed so called back to check on status. Did not seem that anything had been done from the previous call. XXXX explained that I had switched to e-statements which I checked old emails and spam and couldn't not find any emails. She started another dispute and received this email from them. 
Hi XXXX, We've received your feedback about the GM Card. 
Goldman Sachs Bank USA investigated your statement dispute. You contacted us on XX/XX/2022 because you had not received the XXXX to XXXX statements for your G.M Card. As per our records, you provided E-sign consent on XX/XX/2022 and as per the terms and conditions of this consent, all legally required documents including statements are delivered to you electronically and available at https : //www.marcus.com/us/en/documents. On XX/XX/2022, XX/XX/2022 XXXX, XXXX email were sent to you stating that the XXXX to XXXX statements respectively were available. At this time, we are not able to waive any interest and late fee charges. At the time of this statement your delivery preference was electronic, you can change your preference anytime at Marcus.com in your account profile. You can view your monthly balance, minimum payment due, and payment due date on your most recent statement and available on Marcus.com. 
We appreciate you reaching out about the GM Card. 
If you have further questions, please contact a GM Card Specialist at XXXX. 

I just paid the balance because I do not want this to impact my credit for XXXX cents, which I think it XXXX have already though. Had I received a statement showing the balance the next month, I'm sure I would've called and they would have taken care of it. I also have never chosen to have electronic statements for any statements I have so if this was opted in, I think it was probably because the website directed you to choose that and was slightly misleading because I would not willingly choose for e-statements.
Product: Debt collection

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXX XXXX XXXX XXXX .

2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXX XXXX

5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Debt collection

XXXX XXXXXX/XX/XXXX I contacted XXXX XXXX indicating I was disputing accounting under the XXXX  and to date I have not received any information in regards to that. XXXX XX/XX/XXXX I sent notification again to date have not received a reply. On the XXXX  of XX/XX/XXXX I received a Summons from the law firm of THE MOORE LAW GROUP indicating they are representing XXXX XXXX and suing me. I believe XXXX XXXX has not followed dispute procedures. The MOORE LAW GROUP has not identified to me previously either they were trying to collect a debit, is this company a debit collector?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts are also inaccurate. 

XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]
Product: Checking or savings account

On Friday, XX/XX/XXXX, I attempted to transfer funds to my wife using XXXX via Capital One 360. The funds never arrived in my wife 's account. Literally vanished into the ether. I called multiple times and was put on hold for over 20 minutes the first time and over 40 the second time. The bank will not help correct the situation. I am being told the missing {$500.00} will be investigated in a 45 day timeframe. I believe this to be a violation of UDAAP regulations on the part of Capital One 360 and perhaps XXXX as well. Not sure about Reg E, but probably some violation there as well. I asked to speak to a supervisor and was put on endless hold. Literally just took my money. Very aggravating. Not helpful.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts be blocked and deleted from my credit report as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any accounts or inquiries related to fraudulent activity blocked from my credit file. 
Please remove the following accounts from my credit report : Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} XXXX. XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a late payment for XX/XX/2020 yet XXXX  is reporting paid on time. therefore Experian is reporting inaccurate information. which is clearly an FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine and have not been investigated properly using metro 2 compliance and according to the FCRA standards. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Experian ma own website says it takes up to 30 days to investigate accounts. But these account keep coming back verified in only 5 days how is that possible if you are following the laws.
Product: Money transfer, virtual currency, or money service

I received a call directly from a Chase number regarding suspicious activity on my account. When you call the number back it brings you directly to a pre recording from chase. They told me to XXXX a cancel payment so I did as this person sounded super professional and when I had my wife call the number it brought us to chase. Unfortunately after going back and forth they scammed me for XXXX XXXX dollars. I filled a claim with chase which unfortunately got denied along with filling a police report immediately. After getting denied and telling my story to Chase its like they absolutely didnt care which made me disgusted. I did everything in my power to prove how I was scammed and proving every reason to why I should recieve my money back. I even went as far as going to the local chase to talk with a branch manager and they pretty much didnt care at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to correct errors by sending dispute letters and I have contacted XXXX XXXX XXXX XXXX XXXX with no result so I would like to request that CFPB step in and help. On XXXX XXXX I Received a XXXX Report. XXXX XXXX XXXX, XXXX XXXX XXXX. My first concern is that I have XXXX XXXX on all the credit reporting agencies including Experian and XXXX. How was this information sent to XXXX from Experian with the security freeze in place? I will attach page XXXX of XXXX showing the sharing of my credit information. The second Error I found is the accurate reporting of information on my XXXX - Experian - XXXX XXXX XXXX XXXX information. BY Law FCRA Section 611 Furnishers and Credit Reporting agencies are to report information Accurately and is Complete If information is incorrect or incomplete the account is to be DELETED. Located on Page 5 of 20 XXXX XXXX XXXX XXXX contains multiple ERRORS. XXXX XXXX XXXX XXXX Account Number XXXX. This account was reported for incorrect amount of {$24000.00} correct amount {$24000.00} ( INACCURATE ) .I will attach a copy of the from XXXX XXXX XXXX which will show the payment history - which will show the errors. ( ERROR 1 ) - Status ( XXXX through Bankruptcy XXXX XXXXNever late ) This account was not discharged but was REAFFIMED meaning the account continued to be paid - paid in full with a zero balance,. ( ERROR 2 ) The payment history shows payments through XXXX of XXXX of the credit report. Please look at the attached payment history from XXXX XXXX XXXX you will see that the last payment was made XX/XX/XXXX. THIS IS OVER 3 YEARS DIFFERENCE from what is reported????? This loan was paid in full, on time, and to a zero balance. Many of the Categories of this report have been filled in with " Not Reported '' leaving the report INCOMPLETE. 
Terms " Not reported '' This account was in place from XXXX to XXXX ( ERROR 3 ) Recent balance " Not reported '' ( ERROR 4 ) High Balance " Not reported '' ( ERROR 5 ) Monthly Payments " Not Reported '' ( ERROR 6 ) Recent Payment Amount " Not reported '' ( ERROR 7 ) Date of Status -Incorrect - This account was paid in full the last activity was XX/XX/XXXX ( ERROR 8 ) This account was paid in full, with no late payments, the account should have been listed as a positive account. ( ERROR XXXX ) By law tis account should show ACCURATE and The information should not be missing information. This account has shown multiple ERRORs and is incomplete making this INACCURATE. XXXX XXXX XXXX  has verified this account even with the attached information showing it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # has violated my rights. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$4500.00} written off. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$1100.00} written off. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account Name XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$1300.00} written off. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$360.00} written off. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/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
Product: Debt collection

This collection account is not mine. I do not own Portfolio Recovery. 

I have attached a copy of the letter I received from Portfolio Recovery Associates XXXX which is dated XXXX XXXX, XXXX which has the account number : XXXX I have also included a copy of my old credit report from XXXX which is dated : XXXX XXXX, XXXX which was 7 years and 3 months ago which had Portfolio Recovery listed with the same account number of : # XXXX This account is actually a " Time Barred Debt '' after 4 years. 

According to the old credit report Portfolio Recovery Associates opened in XXXX XXXX and was last reported XXXX XXXX. 

The original Creditor was listed as : XXXX XXXX XXXX which I have no recollection of when this account opened. I do n't remember even having an account from XXXX XXXX XXXX. 

I do not owe this debt as it shows it was issued in XXXX. This was 12 years ago.
Product: Student loan

I submitted an application to consolidate my student loan balances on XX/XX/XXXX to take advantage of the IDR waiver/forgiveness plan. At the time, there were three balances ( two serviced by XXXX and one by XXXX ) outstanding. As part of that application, I requested to be placed on the REPAYE- Now SAVE repayment plan. I was placed in an administrative forebearance during this time.

There was no action taken on this consolidation request for over 90 days. As the deadline was quickly approaching to take advantage of the IDR waiver, I began receiving past due notices from both XXXX and XXXX that my loan payments were not received ( XXXX XXXX from XXXX ). I submitted payment to XXXX in XX/XX/XXXX to keep the loan current, but was more concerned as to why I had received no correspondence surrounding the status of my consolidation request or payment notices for either loan in XXXX. 

I reached out to the studentaid.gov website where I initiated the consolidation request to inquire about the status of my loan consolidation and noted that my servicers were showing me as past due in their respective systems while information on the dashboard indicated my request was still in process. I was directed to speak with my servicers directly as studentaid.gov did not handle payment matters, however as part of my consolidation request I had also elected a new servicer. I was directed to view the dashboard regarding the status of my consolidation request and so began the circuitous effort to determine the status of my loan consolidation request as well who was my current servicer and when and how much they needed to be paid. 

My consolidation request was processed by XX/XX/XXXX, however I have now been placed in a standard repayment plan with no record of the number of payments that were counted toward my IDR repayment plan. My loan has been reset with another 30 years of payments. I have been paying on these loans for XXXX years and now I've been reset to pay for another XXXX. I contacted my servicer ( Edfinancial ) and inquired as to why I have been switched to a different plan. I was told that I need to resubmit a new form to be placed on a new plan. Time is running out as I understand in order for me to be on one of these plans eligible for forgiveness, I would need this paperwork/process complete by the end of XX/XX/XXXX. 

I want to be placed back on the REPAYE/SAVE plan that I was on with all of the benefits availed to those on those plans - previous payments counting toward forgiveness in XX/XX/XXXX years. My loan balance has ballooned XXXX from XXXX until now with each consolidation/new form submission request.

I would also like to know my payment count toward the forgiveness goal.
Product: Debt collection

Acct # XXXX XXXX XXXX Hospital Date of Service : XX/XX/XXXX Amount : {$640.00} In XX/XX/XXXX, XXXX XXXX Hospital incorrectly billed a previous insurer, XXXX XXXX XXXX XXXX XXXX At the time, my coverage was through XXXX XXXX XXXX XXXX XXXX ( proof attached ), who fully covered this expense as can be seen from our XXXX XXXX XXXX in XX/XX/XXXX ( also attached ).  After multiple phone calls to the XXXX accounting department in XX/XX/XXXX, I was assured that the error was corrected. 
In XX/XX/XXXX, I received an invoice for {$640.00} from a collections agency. I have requested multiple times on calls to the agency for the bill and proof of the charge and have received none. I have called XXXX XXXX Hospital and received no proof of the bill. 

The collecting agency, RMP Services, has called me at work after my requests to cease and/or provide proof of the debt. On the last call, they threatened to take legal action, which is was proved by the letter from your law office. 

I would like XXXX to reconcile their accounts and remove this accounting error, and clear my credit report.
Product: Money transfer, virtual currency, or money service

Navy Federal credit Union my account was hacked through XXXX and they closed my account and I advised them all the information to prove it was not me and they still kept my account closed and will not reinstate