23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I took out a HELOC XX/XX/XXXX in the amount of {$22000.00} with Figure Lending LLC. They sold the loan that same month to XXXX XXXX XXXX XXXX of whom I still have an active account with. Then the loan was transferred to XXXX XXXX XXXX XX/XX/XXXX. I filed a complaint after learning that the loan was never sold. Figure Lending replied that they did not have an open account for me and were no longer collecting payments from this loan. Then in the next complaint filed they claimed to have repurchased the loan from XXXX XXXX XXXX XXXX XX/XX/XXXX. But I did not receive any loan sale disclosure documentation. The next letter I got stated that the loan was being transferred to XXXX XXXX XXXX. This was XX/XX/XXXX. XX/XX/XXXX I got a letter saying my loan was being transferred to XXXX XXXX XXXX. XX/XX/XXXX I filed bankruptcy due to XXXX XXXX XXXX no longer accepting my payments. I learned that Figure Lending has always been registered with the city clerk and has never transferred the loan. They never sold the loan and are on my federal bankruptcy documents as the lender. They have been paid and are collecting on this loan twice through different servicing companies.
Product: Debt collection

I recently received a copy of my credit report and found several accounts that were opened in my name. I believe that I may be a victim of identity theft. This account was not opened by me or opened with my knowledge or consent. I did not use this account or even know that it was opened.
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. 

XXXXXXXX XXXX XXXX Account # 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 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

I took a look at my credit report and noticed several hard inquiries that I did not authorize. I filed a report. Please see attached. 

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: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> I went into a check city branch and cashed my paycheck. I needed to get a loan as well so the teller told me to go online and apply. I went online and applied. I spoke to chat agent and asked about the status of my application. She told me I needed to email my documents to info @ checkcity.com. So I emailed : 1. ) my State ID 2. ) my social security card 3. ) 2 paycheck stubs 4. ) bank statements 5. ) a voided check 6. ) a utility bill 7. ) a bill that was mailed to me with the envelope it was mailed in. 
Then I got back on chat with the agent who told me she would email my documents to the branch location so I could go in the next morning when they opened and get the loan. The next day at XXXX I got back online with chat and a different chat agent told me she could not approve my loan only a manager could, after requesting 3 more documents, which i uploaded on their website. I told her why I was being requested so many documents when they never requested so many for my last loan that i had gotten from them for $ XXXX which I had paid back, in full. The agent told me that sometimes they request more documents if they need to verify an address. they might request a bill. I told her i uploaded 2 bills already. She told me because I live in XXXX but am a XXXX  in California- that I have to verify my address. I told her California and XXXX are next to eachother and it takes me 8 minutes to get to California from my home address and 28 minutes to get to work.I have screenshots I am submitting with this complaint of the chat sessions I had with Check City Agents to show how rude, bias, and unfriendly they were to me. They Discriminated against me and as a last ditch effort they accused me of fraud. when I asked them fraud about what? they had no answer. I told them have they called my employer, XXXX XXXX, to verify my employment before they made this accusation at me and the checkcity manager told me " No, that he doesnt need to- they arent giving me a loan anyway ''. For No reason- I was denied.
Product: Credit reporting or other personal consumer reports

I need XXXX  deleted from my credit report Opened XX/XX/XXXX Balance {$12000.00}. XXXX has violated my rights by violating the consent order. Below is the aritcle I also have attached the case involving this Settlement the Bureua of Consumer Finacial Protection has won how can XXXX continue to ruin consumers credit reports Delete this account immediatley. Also According to XXXX XXXX Transunion XXXX Transunion is supposed to ensure MAXIMUM ACCURACY. These accounts violates these laws 15 USC 1681 ( i ), 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. I also want all payment history to be updated to paid as agreed for XXXX  XXXX account Open XX/XX/XXXX I have no recollection of ever being late 150 days Deliquent XX/XX/XXXX or any other time also same for XXXX XXXX XXXX XXXX shows late 30 days but all with different dates Transunion and XXXX say XX/XX/XXXX XXXX says XX/XX/XXXX remove late and show account as paid as agreed immeditaley. 

Bureau of Consumer Financial Protection Settles with XXXX XXXX XXXX XXXX. 
Company Did Not Properly Disclose Terms and Conditions of Its Auto Loan Add-On Product and Auto Loan Extensions XX/XX/XXXX XXXX, D.C. Today the Bureau of Consumer Financial Protection ( Bureau ) announced a settlement with XXXX XXXX XXXX XXXX XXXX a consumer financial services company based in XXXX, Texas. 

As described in the consent order, the Bureau found that XXXX violated the Consumer Financial Protection Act of 2010 by not properly describing the benefits and limitations of its XXXX XXXX product, which it offered as an add-on to its auto loan products. XXXX also failed to properly disclose the impact on consumers of obtaining a loan extension, including by not clearly and prominently disclosing that the additional interest accrued during the extension period would be paid before any payments to principal when the consumer resumed making payments. 

Under the terms of the consent order, XXXX must, among other provisions, provide approximately {$9.00} XXXX in restitution to certain consumers who purchased the add-on product, clearly and prominently disclose the terms of its loan extensions and the add-on product, and pay a {$2.00} XXXX civil money penalty. 
I have attached a copy of my Credit Report also to show Date of Last Activity for XXXX is even reporting inaccuratley on all XXXX credit bureaus to further show that maxim verification has not been provided which is a FCRA Violation also the XXXX XXXX XXXX XXXX Shows 30 days deliquiency in separate months on all XXXX credit bureaus XX/XX/XXXX Transunion XXXX and XX/XX/XXXX XXXX update immediatley and remove deliquency another Violation FCRA disputed before came back as verified how can that be with all these inaccuracies.
Product: Credit reporting or other personal consumer reports

This account was charged off : Since then, the date of last activity has been inconsistently updated on XXXX the date last active is ( XX/XX/XXXX ), XXXX the date last active is ( XX/XX/XXXX ), and on Equifax its ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX was added as a authorized user on the account and they are reporting to Transunion specifically and the other bureaus that I was the account holder. I was authorized on the account from XX/XX/XXXX until XX/XX/XXXX. The derogatory information on the account was dated from XX/XX/XXXX until XX/XX/XXXX whereas I was never the holder of the account. 

This is preventing me from refinancing my property because it has decreased my score based on the wrong reporting user versus holder and the derogatory accounts whereas I was never even authorized for use. 

the case number they provided is # XXXX and they say that it will take 90 days to resolve and I am being charged {$5000.00} for an extension of my loan until its corrected. 

XXXX  will only accept this in writing and will not correct this situation in a timely fashion. 

Can I bill them for the additioanl fees? 

post script : they stated that I must provide my social security number in writing or they will not be able to assist me. This goes against any type of privacy laws that are enacted. 

And they gave me XXXX different addresses to resolve this matter. This is ridiculous and a complete waste of time and I have had no less than 3+ hours on the phone to resolve.
Product: Credit card or prepaid card

Before XX/XX/XXXX my physical credit card was stolen. I did not notice the missing card until XX/XX/XXXX, when I noticed charges that I personally did not incur. The charges totaled {$920.00}. These charges were all made in brick and mortar store fronts. I immediately phoned Chase Bank 's fraud department to report the fraud. At first Chase was helpful, they immediately issued credits to my account, when asked if I should file a police report Chase said that would unnecessary. After almost two months I received an email from Chase that said a new notice had been posted to my account. After about 10 minutes of scouring their website I found the letter buried within my alone account. Much to my dismay the letter read that I was responsible for the listed charges with the only explanation being " I received benefit from these transactions. '' I called Chase the next day to better understand their decision. Their response was that because I admitted to two charges that occurred within the fraud period, I had been in possession of the card I reported stolen. I explained the two charges, one from XXXX company and the other from XXXX were both reoccurring purchases, which they would have noticed had they done any due diligences and looked at previous statements. Chase opened the case back up and said they would look into it. After 15 days Chase came back to me with the same answer, I was responsible for those transactions because " I received benefit ". At this point ( XXXX XX/XX/XXXX ) I called the local police department to file a report, unfortunately because of the gap in time there is nothing they can do as the security footage of these stores is not permanently stored. I am beyond frustrated, I pay my card balance in full every month and have been a Chase customer for over 7 years. My combined card limit is over {$40000.00}. This is the first fraud I've ever reported. I am extremely unimpressed with the lack of customer service I received throughout this entire process. It's not the money at this point, it's the principle. Hopefully someone sees this and if you ever have any fraud with Chase be sure to immediately file a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB is full of complaints against the Navy Federal Credit Union. I have filed a number of complaints attempting to correct my XXXX, XXXX and XXXX XXXX accounts. The false reporting has a deleterious effect on my livelihood, my ability to obtain credit and work. I am asking CFPB to conduct an in-depth investigation into my complaint and enforce compliance. Navy Federal Credit Union continues to report false information to each of the the three credit reporting agencies. Navy Federal Credit Union pursued collections on a credit card account I previously held with them. I demonstrated a number of times that I was the victim of fraud and that the charges they alleged were not of my making. I provided them all the law enforcement reporting I had pursued. XXXX ignored all this information and proceeded with collections. Navy Federal Credit Union then CANCELLED THE DEBT when they CHARGED OFF the account and issued a XXXX reporting the cancellation of the debt. Navy Federal Credit Union continues to report a PAST DUE amount of {$22.00}, XXXX. By law, Navy Federal Credit Union can not continue to pursue a debt they have cancelled. Navy Federal Credit Union can not claim {$22000.00} is PAST DUE when they have charged off the debt and cancelled it by XXXX. Navy Federal Credit Union abandoned all claims when they charged off the debt and issued the XXXX to the IRS. I want this account removed. I want the PAST DUE amount reduced to {$0.00} because nothing is PAST DUE. I want a clean, updated Credit Report. 

Accounts With a Negative Pay Status LENDERTYPEBALANCE NAVY FEDERAL CR UN COLLECTION/CHARGEOFF Credit Cards {$22000.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$22000.00} Account Details Bureau Name NAVY FEDERAL CR UN Account Type Credit Card Responsibility Individual Credit Limit {$22000.00} Credit Used 101 % Highest Balance {$22000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$22000.00} Date of Last Payment XX/XX/XXXX5 Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX Remarks Charged off. Canceled by credit grantor.
Product: Checking or savings account

XXXX Overdraft fees @ $ XXXX. = XXXX / on an account i opened in XXXX XXXX. I have NEVER run a negative or NSF Balance at any time as noted electronically or on paper statements of my account. They said they would credit ( 7 ) of the overdrafts??? 

See my attached letter in support of my complaint. 

Thank You-
Product: Credit reporting or other personal consumer reports

I FOUND FRAUDULENT ACTIVITY ON MY CREDIT REPORT IT IS A COLLECTION DONT BELONGS TO ME I NEVER STAYED IN XXXX XXXX XXXX XX/XX/year> COMPANY NAME : XXXX XXXX  ACCOUNT # XXXX DATE : XX/XX/year> AND THE ADDRESS IS XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NV XXXX
Product: Mortgage

I have been hung up on multiple times. Called and harassed the whole month of XXXX about a payment that was made and denied to speak to a supervisor. I just want to know where my money is going. Every month or every other month it is the same thing and it should not be this hard. I send in my coupon and fill it out where my money should be applied. They take it upon themselves to put money wherever they choose to put it, then harassed me and say that I am late, or my rates are increasing because my escrow is low. They sent me all of my payment information and it only shows half the information and is not helpful at all. I really want to know where my money is going and need help resolving this issue. Hours on the phone, and emails and nothing is resolved. This mortgage company is beyond awful and I refuse to give them more money for them to do whatever they want with it. I have stellar credit, and do not want them to report badly. I ca n't refinance because my payments to them are so messed up that I 'm not sure how much I owe and what information is actually correct. They need to be out of business because they do n't know what they are doing!
Product: Credit reporting or other personal consumer reports

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA XXXX. I've noticed discrepancies in several listed accounts, which is causing concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Dept of edu they advised the Administrative CARES forbearance was applied to my student loan. They advised they reported back to both credit unions in regards to this issue on XX/XX/XXXX it is now XX/XX/XXXX and the 80+ point drop in my credit score has not been corrected. It is hard enough as a women of XXXX to get ahead and an 80+ drop in my score impacts my life greatly. I have worked entirely too hard for a mistake I had nothing to do with having such a negative experience is extremely disheartening. I have since reached out to the credit bureaus but they dont care obviously Im just another number. Theres so much red tape and we dont get the immediate correction deserved. If there is a number I can call to get this worked out ASAP please let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting a charged off account that they sold to a Collections Agency still having a balance {$1000.00}. The collections agency it was sold to, XXXX XXXX states I owe them {$550.00} for the debt to XXXX XXXX. I have disputed this item several since XXXX 2021 stating this item from XXXX XXXX  is reported incorrectly and they will not update the account. XXXX XXXX  can not report a balance other than {$0.00} once they sell the debt. It is against the FCRA to not update my accounts or report correctly! I have also sent 609 letters to both Equifax and XXXX asking for signed documents or original contracts with my signature on them for the account they are reporting incorrectly.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for Search failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof
Product: Credit reporting, credit repair services, or other personal consumer reports

How many times have I told you that I am a victim of Identity Theft? Despite numerous requests to remove the items from my file, still, these items are still showing on my report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. I want all the Bureaus to remove/block these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i asked both companys to remove these inquirys from my report and they keep denying me yet they havent provided me with proof of each and every inquiry from my reportas required by law
Product: Checking or savings account

Dear Sir/Madam, My name is XXXX XXXX with an Iranian Passport. Me and my wife came from XXXX to XXXX on a XXXX XXXX XXXX. On XX/XX/XXXX me and my wife opened an account at a Chase XXXX in XXXX XXXX, after a few weeks Chase sent me an email stating my XXXX immigiration document is not valid, although in fact it is valid and they sent another email clarifying that because my country of nationality is XXXX they are closing my account. This is illegal and inhumane due to section XXXX of the civil rights act of 1964, no person should be discriminated against due to country of nationaility. I am in the United States as a Ukranian Humanitarian Parolee, I have rights to open bank accounts, work and access public services, however Chase ( JPMorgan Chase & XXXX ) closed my account merely because of my nationaility not my legal status in the United States. 

The correspondence proving this XXXX discrimination is heavily documented and I am ready to take legal action against JPMorgan Chase & Co . I have experienced severe financial and mental loss/damages because of the discrimination by JPMorgan Chase & Co .
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with experian. alot of data is unmatched an is hindering my file. im looking to get all this invalid information removed to help clear my credit report.
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.C 1618. 

Account Account # Dept of EdXXXX XXXX Dept of Ed/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 XXXXXXXX Bankruptcy XXXX Bankruptcy XXXX Bankruptcy 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. 1681 c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have one late payment in XX/XX/2020 beginning of the COVID 19 pandemic. I spoke with the company before and they said they would remove the late payment but it has not been removed. Please remove the late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  XXXX Balance Owed : {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX  XXXX Balance Owed : {$57.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX  XXXX Balance Owed : {$2300.00} -The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified.