23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Every month on my XXXX 2008 truck tell this Flagship company with used to be car finance.com and I was never inform of the change but this flagship company calls after my due day on the on the XXXX of each month and I always tell them when I 'm going to pay them around the end of the month when I get paid again because I am paying IRS back and I 'm never over 30 days let but I will get these calls form this company XXXX XXXX time in a week and they will call my wife XXXX to4 times and I have told them to stop the calls because I have to pay them but I would to have the call back its turning into harassment.
Product: Credit reporting

Long ago I froze my credit with all XXXX bureaus. Last night I went online and did a temporary thaw at all XXXX bureaus. 12 hours later Transunion shows I have a " lift pending '' and my lender is unable to pull my report. This is unacceptable, my report should be available seconds after I provide my pin and pay for the lift. That is what happened with both XXXX and XXXX.
Product: Mortgage

We originally had our mortgage with XXXX  XXXX XXXX for many years. Because of covid and our business shut down for 2 months, we applied for the relief. XX/XX/2021 we were wanting to start making our payments again, and XXXX  XXXX XXXX sent us a loan remodifacation, which cut interest rates and payments practically in half. Which we were excited about. Then they sell us to this Mr. Cooper ( Nationstar Morgage ) so then its in review with them. I had set up their app on my phone, but they would not let me make a payment. They just kept on saying it takes time when you are being transferred and loan remodifacation, there is nothing you need to do. Then finally in XXXX, our loan remodification was approved and so we waited for the paperwork to come, which it never did. Then as of XX/XX/XXXX, they are saying it expired and we have to fill out an application and start over ... ..I feel like this is very shady and I am sure they are not going to give us that rate and probably higher than what we had originally. I also called multiple times to find out what was going on with our loan and they were like Oh we will get this expedited for you and still never got our paperwork.
Product: Debt collection

this company constantly call me every day from a different number regarding this debt. this debt. if i blocked them from one number they call me from another number this very annoying i am XXXX years old. this leinholder that sold me car is known by the better XXXX  as a SCAM!! for the two or three years i had this car i paid this lienholder a total of {$25000.00} on XXXX XXXX XXXX i still owe a balance of {$10000.00}. the person belittle me because of this loan. i have health conditions one told he did not care. so i believe this lienholder have gone out of business. This company will call in the middle of the night as silent phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am experiencing an issue with Experian, the credit reporting agency. Only them, the other two major agencies work just fine for me. 
Every two months Experian drops my credit score by 25 point with absolutely no reason.. After I intervene each time, it slowly goes back to normal level of XXXX. I care very much for my score. 
Since I expressed my objection in writing ( R letter ) numerous times, no reply ever from XXXX Headquarters nor from California satelite office. 
I assume this is the way to encourage me to pay for some type of $ XXXX month credit service subscription, which I will never do. Experian offers me this service every 3-4 days via e-mail. I would never pai Experian their ransom. the ransom. 
Please try to help me stop this practice. 
After my written inquiry Experian always replies that it can't identify me and asks me to mail them bunch of documents, which of course, would only compromise the safety of my data. It will not provide me with any answers anyway, no matter what I sent. 
I am considering legal action at this time.Your organization is the last resort before that. 
I would like to add that I did my research. I know credit scores drop and go up, but this is not the case at all. None of the reasons for any drop applied to my situation. Can anyone help? I already wrote to Experian 's office in California as well as the headquarters in XXXX Nothing happened.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding the Re-insertion of Previously Removed Fraudulent Credit Inquiries by Experian To whom it may concern, I am writing to file a formal complaint against the credit reporting agency Experian due to the unauthorized re-insertion of fraudulent credit inquiries into my credit report, which had been previously removed following an investigation conducted in accordance with the Fair Credit Reporting Act ( FCRA ). 
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 I filed a dispute with Experian concerning fraudulent inquiries that appeared on my credit report. After conducting their investigation, Experian properly removed the inquiries in question. I received written notification from Experian confirming the removal of these items from my report. A copy of that letter is attached for your reference. 

However, upon reviewing my recent credit report, I have noticed that these fraudulent inquiries have been reinserted without any valid justification. This constitutes a violation of the FCRA, specifically with regard to the re-insertion of inaccurate information without providing the proper notifications required by law. 

I respectfully request the CFPBs intervention to ensure that Experian rectifies this issue immediately by permanently removing the fraudulent inquiries from my credit report and ensuring that such errors do not occur again in the future.
Product: Credit reporting or other personal consumer reports

debt forgiveness due to XXXX a XXXX does not begin on the date of its award... 

Veterans are put through years of struggle, extreme poverty, homelessness while waiting for their cases to be determined. 

i put in for my total and perminent XXXX in XXXX... i was awarded XXXX  % XXXX in XXXX. Some veterans wait even longer Companies and reporting agenies file reports that destroy a veterans credit while they endure the long wait for a decision to be made. They are held to a standard that they can not maintain due to XXXX  and XXXX  XXXX. They are punished for not being perfect. 

In the end they are awarded and declared XXXX... the award is often backdated to compensate and recogognize the duration of that veterans XXXX. 
Their debt is discharged but the veteran is not made whole. 
Companies dischrge the debt but not the ledger. They continue to report negatively and cause the veteran great harm. they continue to be held to the standard of perfection as their XXXX are ignored XXXX of debt due to XXXX should reflect the entirety of the veterans XXXX... 
If the debt is truly discharged... the ledger or payment history should be too A Company that continues to file negative reports against a veteran after they have dicharged the debt should be held liable for the damage they are doing the veteran should be made whole why is this abuse allowed?
Product: Checking or savings account

There is a check deposited to my account and posted on XX/XX/2023. It is not authorized by me ( since my account got compromised during that time period ). Also, the " pay to the order of '' is not even to me. However, it got posted on my account. 

I have contacted Chase about this issue. Chase reversed this transaction on XX/XX/XXXX. However, Chase reversed this transaction again On XX/XX/XXXX. 

I have contacted Chase on XX/XX/XXXX about this issue and its claim department created a claim for my about this double reverse transaction. However, this claim has been denied. 

I have been dealed with Chase for a month about this issue. It seems none of the time it works. Now my account is showing negative balance and makes me worry about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been checking my credit reports because I plan on purchasing a home and I have noticed that there's a XXXX California XXXX charge-off account listed on my credit report for {$380.00}. I have no knowledge of this account, nor have I ever lived at the address associated with the account. I have never, at this point in time, had a utility bill in my name. Per the FCRA laws, I have the right to dispute inaccurate information, and as I have tried to dispute this, nothing has yet been done. I would like this to be removed from my credit report immediately as it is not rightfully my account and no parties can validate it being so. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit score has dropped about XXXX points as of XX/XX/23 due to PNC misreporting mortgage payments for XXXX and XXXX. Payments are on time and have been deposited into escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Product: Checking or savings account

On XX/XX/XXXX I deposited {$5200.00} ( {$780.00} & {$4500.00} retirement checks ) in my account via ATM machine. However, I forgot to endorse the back of the checks. I had called the customer service line and was told there is nothing that they can do. The hold is on my account until XX/XX/XXXX. I have a house closing on XX/XX/XXXX so I made an appointment to come in the bank to see if they can release the hold sooner. I was told by XXXX XXXX the banker who called the " check '' department ) that the hold will be released on XX/XX/XXXX and the checks will be sent back as uncollected funds. XXXX suggested that I called the company issued the checks to request a stop payment and have them re-issued the checks ( since my closing is on XX/XX/XXXX ), I left the branch and within 5 minutes I called retirement 401k company to request stop payment. I was told that those two checks had cleared on XX/XX/XXXX meaning wells fargo had collected the money. I drove back in the branch and was told that they do not discuss with me and I have to make appointments and the earliest appointment is tuesday XX/XX/XXXX. They told me to call customer service line again because it is customer service issue now. I spoke to 3 different specialist including two executives and they said they can not do anything for me. The last one tried to act like she couldn't hear me and then disconnected the call. I need help in retrieving my money since the retirment company showed the checks had cleard but wells fargo stated that they do not have my money. PLEASE HELP.
Product: Credit reporting or other personal consumer reports

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in Violation United States Federal Code Law Under 15 U.S. Code 1681i ( 5 ) -Treatment of inaccurate or unverifiable information and 15 U.S. Code 1681e ( b ) - Accuracy of report To Equifax information services LLC Recently, I conducted an investigation of my consumer report which caused great depression and stress on me mentally and physically when I found inaccurate, unauthorized, unverifiable and questionable items that your agency failed to make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) - Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( 5 ) -Treatment of inaccurate or unverifiable information, 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, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days of your investigation, you must remove the accounts and or the information. I have also provided attached documents as supporting proof of these inaccurate, unauthorized, unverifiable, and questionable items on my consumer report. 
As a consumer federally protected under the Fair Credit Reporting Act ( FCRA ) by law these of these inaccurate, unauthorized, unverifiable, and questionable items on my consumer report must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also I have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX  XXXX XXXX, and Federal Trade Commission. Also Equifax told me they verified the accounts which is impossible because i never gave them permission to do so. I also give Equifax permission to respond to this complaint.
Product: Credit card

My payments are always made on time ; I'm absolutely sure of this. However, I'm unsure why this company is reporting me as late for certain months, which is incorrect. According to USC 1666b, any billing errors should be rectified, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the week of XXXX XXXX I spoke to XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX and she told me that after I take care my account with them they would update my credit report reflecting my account is closed and have a XXXX balance and is paid and satisfied and also mail me a letter stating that as well after XXXX business days they receive payment. On XXXX XXXX I made payment like we agreed and called to follow up on XXXX XXXX since I noticed information and remark that was added on my credit reports from XXXX XXXX that is not accurate. I spoke to account manager XXXX XXXX who stated that she would have to pull the recorded message so she can verify that the information I gave her were true. After she obtained the VM to verify she said XXXX XXXX will update my account to reflect that my balance is " XXXX '' and that my account is closed and paid and satisfied as agreed.
Product: Debt collection

On XX/XX/XXXX, I received a letter from Resurgent stating that I owed a debt LVNV Funding LLC money. They didnt include any information other than the original creditor of XXXX XXXX XXXX on the letter. I sent them a letter on XX/XX/XXXX requesting more information regarding the debt. I received no response. In XXXX of XXXX I noticed that LVNV Funding placed the collection on my credit report. I sent a letter to all 3 credit bureaus requesting this be taken off of my credit report due to fraudulent activity from this account. I sent a copy of the police report showing the creditor listed. In XX/XX/XXXX I sent another letter directly to LVNV requesting contract or agreement with all parties information with no response either. Now they are sueing me for the collection when they never responded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not been helpful with me or my profile they are intentionally trying to damage my credit profile and my life. I have filed a lawsuit against them and they are going out of their way to damage my reputation and my credit file. They took off 2 authorized user on my account which then dropped my score. Now I can not obtain credit for my business because of this terrible act. They are being spiteful because I'm suing them.. I need some assistance in stopping this criminal act ...
Product: Credit reporting or other personal consumer reports

Under FCRA 605B ( 15 USC 1681c-2 ), I am requesting the immediate blocking and removal of fraudulent accounts and inquiries from my credit report. These resulted from identity theft, the XXXX data breach, and fraud. I have attached my FTC Identity Theft Report as proof. These items must be removed within four ( 4 ) business days as required by law.
Product: Credit card or prepaid card

On or about XX/XX/XXXX, my Chase credit card was stolen along with other items in my wallet. I believe my card was stolen around the XXXX XXXX XXXX XXXX. I left XXXX on XX/XX/XXXX and I returned on XX/XX/XXXX. Upon discovery that my card was missing, I reported the card lost / stolen with Chase and they immediately closed and reissued the card on the account. 

There were a number of charges on the card that I did not make. I filled out claim forms with Chase and they recently sent me a letter informing me that the charges were put back on my account. There were close to {$8600.00} in fraudulent charges that I did not make. In doing research, these charges were made around the XXXX area, which is over 300 miles from where I live. 

I tried to call Chase and I was told I had to speak with a specific account representative. The number I was given was XXXX and the extension number was XXXX. I left two messages over the course of three days and I can not get a return phone call from them.
Product: Credit card

I gave my credit card number to a contractor to be used as a security deposit for services that we booked an appointment for. The contractor ended up using the credit card to charge us for their services and over-charged me for their services. I filed a complaint with Bank of America and requested the disputed amount of the charges be declined and allow me and the contractor to work out the dispute directly. Bank of America initially declined to dispute the charges on my behalf, then after receiving a letter that I wrote them regarding the issue, re-considered and offered to refund the full amount of the charges, then later, again changed their minds and only refunded a portion of the disputed amount claiming that they do not have the authority to refund all the disputed amount. 

I never approved the full amount of the charges and the contractor does not have anything in writing proving that I owe the full amount, and yet the bank is refusing to refund the full disputed amount. Furthermore, the bank assessed finance charges on the disputed amount that is not in accordance with our credit card terms. 

I feel that the banks actions regarding the dispute as well as the application of the finance charges is in violation of the law. 

I am asking that the full amount of the dispute be refunded.
Product: Mortgage

I used to think I was really good at finances but have come to the conclusion that I am gulable to people that make things sound like a good deal. It turns out that I realize that the person who helped me with my home loan back in 2004 was quite the sweet talker. He convinced me that changing to XXXX I could save money by consolidating all my bills and vehicle payments into one payment. I should have realized that most mortgage people do n't call you up at XXXX and talk to you until past XXXX putting in family talk along with business. The first time this happened I was happy because I was underwater with credit card bills and he said he could make everything go away. I was self employed and no other bank would help me. He said he would handle the whole thing. He got my payment at {$750.00} which I thought was great but thought some of the fees were high but he said it was just the way he put figures around to make it pay all closing costs etc. XXXX XXXX had just helped my girlfriend who was unemployed save her house and she said it would be worth it so I did. A few years later he once again was approaching my friend and helped her again this time she was XXXX and still unemployed. He asked her if I might be interested in refinancing and I fell for his sweet talk and refinanced. I have had at least XXXX different mortgage companies including XXXX, XXXX XXXX, XXXX, XXXX, Homecomings, XXXX, and my current worst of all Ocwen Loan Servicing. Ocwen has given me false information and recently since I have become XXXX led me to believe I could get help with the Obama refi. I 'm only allowed to talk to my relationship manager XXXX XXXX and that 's by appointment. Another long story where it takes almost 4 weeks for each appointment. This last appointment when I took him up on his promise to remove some charges if I could come up with the amount I was behind he practically called me a liar. 
Is there anyway I do anything?
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXXXXXX Balance {$24000.00}
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: Debt collection

XXXX XXXX XXXX XXXX I owe {$45.00}. I believe that this is not my debt. CSO Financial , Inc., the debt collector, claims that I owe this money.
Product: Credit reporting or other personal consumer reports

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.