23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1. I made additional payments above my scheduled payment and the bank applied all of these additional funds to interest without telling me. When I requested an amortization schedule, the bank employee refused. 
2. In XXXX 2016, this Santander Bank NA imposed a forced flood policy on my property for % XXXX. I have a policy on my property and I refused to pay. I faxed this information to the bank multiple times ( 40 times first time, 20 times, the next ) but the information mysteriously disappeared and even though I made my scheduled payments, the bank stated that I was not making my payments because I did not pay this {$5000.00} fee. 
3. In XXXX 2016, I made an additional payment of XXXX the Bank imposed a property search fee on my property, charged me {$85.00}. for this and took the entire additional payment of XXXX instead of applying it to the payment, thus I am late again. 
4. On XXXX XXXX, I attempted to make a payment for {$800.00} ( regular payment of {$16.00} cents and the rest as principal ) the bank refused the additional principal payment. this is the usual occurrence. This bank always thwarts attempts to pay down the principal. 

Because of all of this, my credit rating has dropped XXXX points because it appeared that I did not make payments for 3 months.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE! XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$3100.00}
Product: Debt collection

Section 489.128 - Fraud Contracts and unlicensed perform work on property without the proper permit. Non-permitted constructed. violated the building code. REQUIRED FOR TWO STORY HOME on 50x100 lot .Violations of building code. perform non-permitted construction work. Violated building codes, unlicensed contractor without pulling building permits, plumbing permits or electrical permits pulled. The 1,584 sq. ft. XXXX XXXX SUBDIVISION, TWO story building on sets on 50 X 100 LOT. WITHOUT variance or permits. The local governing body of the county or municipality may enforce codes and ordinances against unlicensed contractors under the provisions Florida Constitution SECTION 4.Single-family home 3 bed, 2.5 bath property. This home was built in XXXX and last sold on XX/XX/XXXX for {$600.00}. Property details, sales history and Zestimate data on XXXX. Location : XXXX XXXX, FL XXXX Construction codes violated by inspectors and builders who failed not inspected to comply with any building or uprooted trees of environmental regulations. Contractor or and construction filed fraud false representation. Failing to comply with any building environmental regulations. or Violations of 4 of the constitution .lot 50 x 100 ft. Fraudulent documentation construction fraud, are generally regulated by zoning laws and restrictions maintained by local distance from a property line Legally, are not obligated to pay an unlicensed contractor. Not building according to blueprint and paying taxes on improper footages of property.

Falsifying Applications and Invoices. Lot 204 Construction Fraud, The City of XXXX XXXX Contracting Without a License. In addition, Unlicensed Contractor was paid {$25000.00}. According to Section 713.02 ( 7 ) of the Florida Statutes, an unlicensed contractor or subcontractor shall have no liens in their favor. This Fraud is Unenforceability shall not affect the rights of any other persons to enforce contract, lien, or bond remedies homeowner can generally file a lawsuit for damages. Homeowner experiencing setback violations is that the building or structure 1. Inflating Labor or Material Costs charge over {$120000.00}.. Accountability, Amendment 4 unenforceable under this section, no lien or bond claim shall exist in favor of the unlicensed contractor for any labor, services, or materials provided under the contract or any amendment thereto. U XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In pursuant to 15 USC 6802 ( b ) I called and explained to the consumer service rep that my consumer report and personal information is federally protected. I advised them of my rights per FCRA 604 ( 2 ) and also my federally protected right to " opt out '' as explained in 15 USC 6802. They told me that they can not allow e to " opt out '' thus is a violation of federal law. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure is to be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. In violation of FCRA ( A ) ( i ) you have furnished a consumer report without my written consent and have fail to to produce evidence of said disclosure as described within the FCRA.
Product: Checking or savings account

Submitted a dispute for a dental visit covered under my insurance in XXXX of 2024. I tried to resolve with Merchant and my insurance. Merchant double billed me and the insurance. They were paid and still charged by debit card {$150.00}. I submitted all documents several times to Wells Fargo claims. The claim was denied because they claim documents were not provided. It has been XXXX months without resolution.
Product: Credit card or prepaid card

Best Buy Credit Card Purchased an item XX/XX/15 for {$780.00}. On the purchase screen I was asked if If would like " 5 % rewards back '' or " 18 months no interest ''. I chose " 18 months no interest ''. I received a bill this month with {$410.00} in DEFERRED interest charges. The screen never said DEFERRED. It said " NO ''. Biggest scam I have ever seen in my life. They purposely worded it to misleading. They are running a SCAM.
Product: Debt collection

I sent letters asking for validation of debt, original contractual agreements between myself the consumer and the agency that is alleged to be owed XX/XX/2023, as I have never conducted business with any of these organizations ever that are appearing on my reports. No response was received and the debt continues to remain on all of my credit reports!
Product: Credit reporting or other personal consumer reports

Around XX/XX/XXXX, I started receiving toll tickets which spark my suspicion, and I called XXXX XXXX  thinking it was in error. Then around XX/XX/XXXX XXXX  XXXX   XXXX  opened account XXXX in my name. 
On XX/XX/XXXX, I contacted the lender who confirmed they have been trying to reach me and advised I raise FTC report so that they can remove it from my credit. 

I raised an FTC report XXXX XXXX along with my drivers license, and social security information and forwarded same to them. 

Up to this moment, they have refused to remove the information or provide me with their investigative report on why they left such in my account. 
I believe the car company is complacent in these identity theft scheme and should be investigated
Product: Credit reporting or other personal consumer reports

Dear TransUnion Just to start things off, 15 days should be enough time for your company to send me the information that Im requesting regarding the last investigation you did on the following account listed below. 

XXXX XXXX XXXX : Account number : XXXX Bureau code is inconsistent between Bureaus. Fix or remove the payment status dates. 

XXXX XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Fix or remove the payment status dates. 

XXXX XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Fix or remove the payment status dates. 

XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Fix or remove the payment status dates. 

XXXX XXXX XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Fix or remove the payment status dates. 

You verified this account pretty fast. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification off? Please send that to me also. I want to make sure you are following the law. 

15 Days should be enough. 

Tracking all letters. 

Waiting.
Product: Credit reporting or other personal consumer reports

I am deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of inquiry : XX/XX/2020 XXXX  XXXX XXXX-Date of inquiry:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Product: Debt collection

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Product: Credit card

After Montgomery credited the late payment fees, I did have scheduled a {$40.00} payment as said in previous complaint. I failed to put the {$40.00} in that checking account because I got payed late. I called Montgomery and fought the automated system to get ahold of someone when I finally did I spoke with a credit supervisor about a frustration I had. I got charged a return check fee, and after making that {$40.00} minimum payment due I got told i need to pay for another {$20.00}. The very rude supervisor abruptly told me that they do not credit return check fees as life doesn't happen. I proceeded to ask her why am I being charged again when I already made the minimum due payment, she says that was a past due balance and I owe {$20.00}. I asked her why wasn't it included in my minimum payment, because normally when you owe past due your monthly payment is due with it. She again said that {$20.00} is due avoiding my question. I advised her that if I owed that {$20.00} this month it would've been included in my {$40.00} payment, and it would've said XXXX if. She proceeded to once again tell me that the {$20.00} is due. I advised her I wanted to close the account due to her rude behavior and I no longer would like to continue my service with you guys. This is unacceptable. Life happens and people forget, I understand there are fees but when you can not void a simple {$25.00} fee it becomes frustrating especially when a Supervisor can not seem to tell you the reason why your now due payment wasn't included in your minimum due. I am completely disgusted what I experienced.
Product: Checking or savings account

Bank account randomly closed without notice, have deposits going in and cant access money. Tried calling both sides neither can help me. They said the account can still receive funds and the senders said they cant reverse deposits. Bank is no help, frustrating and cant access my money to pay my bills or put gas in my car.
Product: Student loan

I am not receiving credit for payments made on my loans from XX/XX/XXXX - XX/XX/XXXX. My loans were originally placed on an In School Deferment for this time period, but I submitted a School Deferment Waiver form to XXXX XXXX to have this deferment removed from my account. XXXX XXXX approved this request and I have attached these documents to my complaint. During this deferment period I made several payments on my loans and have attached a copy of my payment history from my servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW Financial Services has been disclosing my personal information to third party entities without having provided me with my right to opt out of such action.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$95000.00}, {$9300.00}, {$31000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$95000.00} -This is not my account. 

2. XXXX XXXX  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX '' IS MY ONLY TRUE NAME I WOULD LIKE THE FOLLOWING NAME ( S ) LISTED REMOVED FROM MY CREDIT REPORT. " XXXX XXXX XXXX '', " XXXX '', '' XXXX '', '' XXXX '', " XXXX XXXX '', " XXXX  '' XXXX XXXX XXXX XXXX TN XXXX IS MY PHYSICAL ADDRESS, I WOULD LIKE THE FOLLOWING INCORRECT ADDRESSES ATTACHED TO NAME " XXXX XXXX XXXX '' TO BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX XXXX CT, XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX United States XXXX ADDRESSES LISTED COULD POTENTIAL REFERRING TO MY FATHER, " XXXX XXXX XXXX XXXX '' WHO I INHERITED THE NAME FROM. I WOULD LIKE FOR ALL INCORRECT INFORMATION TO BE REMOVE IMMEDIATELY. 15 U.S.C. 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Equifax regarding an inaccurate account reported on my credit file, specifically a XXXX XXXX account with discrepancies across the three major credit bureaus. Under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), Equifax is required to provide a detailed description of the investigation procedures conducted in response to a consumer dispute within 15 days of receipt.

Despite my formal request, Equifax has failed to provide a sufficient description of their investigative process, violating my rights under the FCRA. The account remains inaccurately reported with the following inconsistencies across Equifax, Experian, and TransUnion : Different account balances reported across bureaus. 
Conflicting last reported dates and date of last payment information. 
Varying past-due amounts and payment status. 
These discrepancies suggest that Equifax did not conduct a thorough investigation as required by the FCRA and failed to ensure maximum possible accuracy in my credit report under 15 U.S.C. 1681e ( b ). Furthermore, if Equifax can not properly verify this account, they are legally required to delete it under 15 U.S.C. 1681i ( a ) ( 5 ).

This lack of compliance has harmed my creditworthiness and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continue to violate section 15 USC 1681 S-2 and USC 6802 ( b ) XXXX  stated in there last response to my dispute that the account XXXX was sold to XXXX XXXX XXXX in 2020. The reporting of this account by XXXX is inaccurate because they no longer own this account and can not report a inaccurate account they no longer own. I would advise XXXX to have someone from there legal department review section 15 USC 1681 S-2 and 15 USC 6802 ( b ). I ask that CFPB hold XXXX accountable for not upholding the laws of the FCRA. If XXXX dont stop reporting this inaccurate account I will be contacting a local consumer law attorney to file suite again XXXX for all violations I have cited.
Product: Credit card

** XX/XX/2024 Someone used XXXX Bank of America credit card to purchase items from XXXX XXXX, totaling {$1400.00}. 
As soon as I noticed the unauthorized charges, I contacted the bank to confirm that I did not authorize these purchases. I requested that the bank stop the card and issue a replacement. I also filed a fraud dispute for the {$1400.00}. 

At XXXXXXXX XXXX on XXXX, XXXX, I received emails confirming that the items purchased fraudulently were picked up from XXXX XXXX XXXX. 
Upon receiving this notification, I immediately called XXXX customer service to report the issue. 

** XX/XX/XXXX Bank of America XXXX XXXX credit card dispute team informed me that I am responsible for {$540.00}, stating that the merchandise ( XXXX ) was located at the address associated with my account. 
To support my claim, I have location tracking data that verifies I did not visit XXXX XXXX XXXX on XX/XX/XXXX, at the time the items were picked up ( XXXX ). 
I also have the phone call history records showing my call to XXXX customer service to report the fraud right after receiving the pick-up emails. 

** Attached Documents : - A list of the fraudulent orders and the pick-up time. ( email screenshot ) - XXXX location tracking data confirming I did not visit XXXX XXXX XXXX on XX/XX/XXXX ( XXXX XXXX XXXX address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - Phone call history showing my call to XXXX customer service XXXX Bank of America letter regarding the dispute closure The attached documents provide proof that I did not make this purchase, nor did I visit XXXX XXXX XXXX to pick up the items.
Product: Credit card or prepaid card

Someone placed a hard inquiry using my information between XX/XX/XXXX and XXXX. 

I have made 3 other attempts to speak with someone XXXX and 3 times been told I was being forwarded to the fraud department for further investigation. 

I did not authorize this inquiry and request that any application, account and hard inquiries are removed immediately. 

Please note I know this is fraud as I do not and have never resided in New Jersey.
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 was authorized, I was charged fees due to lagged posting of charges and credits. This issues 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: Credit reporting or other personal consumer reports

I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.