23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Purchased dept protection plan from USAA for XXXX XXXX purchased XX/XX/XXXX with USAA auto loan. Loan amount was {$10000.00}. ( 25 ) days after purchase I was terminated from employment. I missed payments 3 months by XXXX as a result. I called to request hardship under protection plan. They asked if I was working. I said no but I had taken a small Labor contract to cover gas money. USAA denied me the protection because I had taken a short term job for a month to earn money for gas. The contract was 3 days a week at {$10.00} an hour. This was my only income. I was suffering XXXX XXXX. Lost that job as a result. But was still denied protection under the protection terms. By XX/XX/XXXX the XXXX was charged off and my USAA account closed. USAA claims no record of the XXXX loan.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred when transactions were authorized. I was charged fees dues 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: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified account without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXXXXXX XXXX  XXXX XXXX XXXX Owed : {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 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 ( Original Creditor : XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, and XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX have 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.
Product: Credit card

BILLING ISSUE - Macys Case # XXXX ( 1 ) The TOTAL BALANCE and MINIMUM PAYMENT DUE amounts displayed on my ONLINE statement ( under my online account when you click the Macy 's Credit Card menu option ) are different than the amounts shown on the HARDCOPY statement. This financial and system error has been experienced for months and the financial information displayed is not clear. This could result in payments that are " short '' and lead to payments that are categorized and reported as " late '' to the credit bureaus. This results in negative information being reported by the credit bureaus, decrease of credit, denial of credit. This system error and financial reporting should be corrected immediately. This is the reason why the monthly minimum payments I made in XXXX only satisfied the ONLINE minimum payment due and not the HARDCOPY statement ( minimum payment due ). The financial information being displayed could not be validated. 

( 2 ) Please advise which payments in XXXX and XXXX were considered " late '' or " delinquent '' by 30 or more days. Kindly let me know which XXXX and XXXX payments were reported to the credit bureau as greater than 30 days late. I have called Macy 's several times since XX/XX/XXXX to be proactive about shipping, billing, and credit issues with my account ; and to also figure out what my actual TOTAL BALANCE and MINIMUM PAYMENT amounts are. However, this information is still unavailable. I routinely get stuck on the phone for hours with your representatives. Most of the time the call gets disconnected and I am forced to call back and regurgitate the same information. I also reached out to their Credit Services and Executive Office teams in XX/XX/XXXX however I have not received resolution. 


My Issues : ( a ) My credit limit was decreased with Macy 's and other creditors ( Best Buy/CITI and Goodyear/CITI credit cards ) because of inaccurate and negative reporting submitted by Macy 's to the credit bureaus for my Macy 's account. The negative reporting submitted by Macys are due to system and customer service issues and not the fault of the customer. Macy 's inaccurately reported both late and delinquent payments in XXXX. 

( b ) My credit account was closed with other creditors, Best Buy/CITI and Goodyear/CITI credit cards, because of inaccurate and negative reporting submitted by Macy 's to the credit bureaus for my Macy 's account. The negative reporting submitted by Macys are due to system and customer service issues and not the fault of the customer. Macy 's inaccurately reported both late and delinquent payments in XXXX. 

( c ) My actual TOTAL BALANCE and MINIMUM MONTHLY PAYMENT amounts could not be validated over the phone or via email by Macy 's staff. 

( d ) In light of all the customer service issues with shipping, billing, credit, and call center conversations please advise if a credit can be applied to my account in the amount of $ XXXX as shown on XXXX 's XXXX statement and my CREDIT LIMIT can be increased back to the normal amount of appx {$6000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to fix multiple errors on my reports, to no avail.my proof of the error carries less weight than the creditors word. XXXX XXXX XXXX XXXX XXXX ca, XXXX, is the collection agency that is insisting they are correct, when they 're not. My business XXXX XXXX is a XXXX # XXXX corporation number. We wrote a check to by advertisor, just before I had a XXXX XXXX and was forced to close my business. I should have been protected under my corporation. They will not show me a copy of the check, so I can prove my point.the 3 credit reporting agencies, do n't want to here the truth, or fix it.
Product: Vehicle loan or lease

On XX/XX/XXXX I signed a loan agreement with Lending Club to refinance my vehicle. The payoff check was supposedly was sent on XX/XX/XXXX. My payment for my lienholder XXXX XXXX XXXX XXXX XXXX is due on XX/XX/XXXX and Lending Club is asking me to make my first payment on XX/XX/XXXX. The lienholder has not received the check as of XX/XX/XXXX. Lending Club tells me that they sent out a new check overnight on XX/XX/XXXX and said it will take 5-7 business days for the lienholder to process. I asked that my first payment with Lending Club be changed so that I will not have to make two payments, as I was told that I need to continue making payments until my payment with the lienholder has been finalized. Lending Club said that they can not change the due date of the first payment. I have been lied to by their customer service reps as they told me that the first check was lost and a second one was sent out on XX/XX/XXXX. I confirmed with another customer service rep, that was not true and no second check had been sent out. I was told by a another customer rep that an extension could be done on the first payment, which was another lie. I talked to a supervisor named XXXX on XXXX and he promised he would " get to the bottom of this '' and promised to contact my original lienholder to see what the issue was, and would call me back later that day. I called back shortly before they closed after not receiving a call and was told that XXXX was no longer in the office. I have been getting the run around with them since day one.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Student loan

I need to have assistance with the Navient Borrower. I have a federal loan with this borrower and have experienced difficulties with this company. I need assistance with filing the loan forgiveness with XXXXXXXX XXXX admin program.
Product: Vehicle loan or lease

XXXX the HDFS manger called the XXXX police on me and filed a fake police report saying I was suicidal. Im a young XXXX man in Missouri this couldve gotten me killed.
Product: Credit reporting or other personal consumer reports

Lexis Nexis is refusing to provide my consumer disclosure report, per FCRA law. This is in violation of my consumer rights. 

I have tried for months to request online and also called to try to resolve to no avail.
Product: Mortgage

In 2011 I bought a house. And I have a down payment and paid closing costs. But I did want to know why so much money. And if it even went into the principal as it was stated it would. Now I find out that Wells Fargo has done illegal activity and within the scope falls mortgages. I want someone to look into this and see if they processed my mortgage correctly and didnt over charge me.
Product: Debt collection

I received a call from Commonwealth Financial Systems on XX/XX/XXXX at XXXX from the phone number XXXX ext XXXX claiming I owed a debt from back in XX/XX/XXXX in XXXX XXXX, TX . I did live in that area but I DO NOT remember going to the hospital back then. I DID NOT AFFIRM THAT I OWED THE DEBT! I challenged the debt and I told them I do not remember that and I do n't have a medical debt that is owed! They also asked for the last 4 of my ssn and I refused to give them that information! 

I told them to send me a copy of the bill that I supposedly owe which I do not remember ever getting a bill. THEY THREATENED THAT THIS WILL BE PUT ON MY CREDIT AND CAUSE HARM TO MY CREDIT! I have not yet received any bill in the whole 5 years of any bill from the hospital. 

First, the statue of limitations are over with. They can not sue me nor take any legal actions as the statue of limitations are 5 years in Kansas and 4 years in Texas. As of XX/XX/XXXX it has been 5 years! 

I want them to stop harrassing me, stop claiming a debt that I 'm sure I 'd remember IF I DID IT. No bill has came, no nothing. Stop threatening my credit and what not on a debt that is beyond the statue of limitations. Just do not call me again!
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to conduct a proper investigation into multiple inaccuracies on my credit report. Despite my repeated disputes and submissions of supporting documentation, Equifax consistently responds within 24 hours, stating that the disputed accounts are accurate without providing any evidence of a reasonable investigation.

This practice is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct a thorough investigation of disputed information. Additionally, Equifaxs failure to investigate adequately and provide evidence of its findings may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). The CFPB itself has recently taken action against Equifax for similar misconduct in administrative proceeding File No. XXXX. 

I respectfully request that the CFPB take immediate action to ensure Equifax complies with federal law and removes the following inaccurately reported accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the full deletion of these accounts due to Equifaxs failure to comply with federal investigation requirements. Please take the necessary steps to hold Equifax accountable and ensure consumer rights are protected.

Thank you for your time and prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I tried to unfreeze my credit report at Equifax, XXXX, and XXXX. In all 3 it was extremely hard because they " hide '' the feature for customers who haven't upgraded to the paid service. I ended up paying for XXXX from XXXX and then spend an hour on tech support chat to delete that subscription. Both equifax and XXXX require persistence to unfreeze credit report. Freezing and unfreezing should be readily available on home page of FREE service. All 3 bureaus purposefully make it difficult in order to up-sale you.
Product: Mortgage

In XX/XX/XXXX I logged into my account with NewRez to make my monthly payment. Upon doing so I noticed my Escrow Account had a negative balance which was very unusual since my Home Owners Insurance or Property Tax Bill had not been disbursed. 

I noticed {$6500.00} has been deducted for " Insurance Premium Disbursement '' I called and was told this was a one time PMI charge and I asked for an explanation and was never provided one. No one with NewRez notified me in writing or by calling regarding I was going to be charged this. I inquired again a few weeks later in late XXXX/early XXXX and was told the same thing. I just could not understand why I was charged this amount and I was told I would receive a letter ( which I never did ). 

Over the Holidays I didn't follow up much on the issue, but started again in XXXX. I've called XXXX who could not tell me anything other than they did not bill me and I'm not the policy holder. I called Shellpoint since they are the lender and was not provided any new information as well. I have made two calls in XXXX XXXX being on XX/XX/XXXX where I was told by XXXX XXXX someone would reach out to me in 3-5 business days and no one never did. 

I understand there may have been an error in the closing process, but after talking with several realtors, lenders, etc. none have heard about the Lender putting the charge back on the borrower ; especially with no notice! My mortgage payment has increased over {$650.00} per month. This is beyond unethical for a company to be allowed to do this. 

I'm attaching my escrow statement along with a few loan documents for your reference. 

I also have done research where a charge of this magnitude would change my APR for my closing disclosure and the lender is not allowed to go over 0.125 percent and if you do the math you will see they have gone outside this range. 

I would like to be reimbursed the full amount as that is what a reputable company would do and since they provided no notice and did illegally not provide me with an updated closing disclosure. 

You will also see where they have taken 17 PMI payments of {$66.00} and refunding two for a total of 15 deductions and I've only had made 13 mortgage payments. 

I have inquired about this as well and no response.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more thanXX/XX/XXXXdays to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Product: Checking or savings account

THIS IS NOT A DUPLICATE COMPLAINT. I am submitting information to prove I met the terms of opening an account with a promotion. I received a response letter stating that I did not keep an average balance of XXXX  . However, you calculated that average from account opening, even though the terms state I had 10 days to deposit the amount and FROM THAT DAY, maintain a XXXX balance. I am attaching my savings account statements that show starting on the day of the XXXX deposit, that money was left in the account for the correct amount of time. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( XXXX ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 

XXXX. My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 

XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

4. Immediate notification to all major credit bureaus ( XXXX, Experian, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach.

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties.

I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above.

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correctXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Arvest Central Mortgage Co ( XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXAR ), charges {$5.00} processing fee for paying mortgage online, and {$10.00} over the phone. Before Arvest bought my loan, i did not have to pay these fees to pay over the phone or online. This forces me to mail in a payment and manage a portion of my money non-electronically like the ever single other aspect of my finances and creating a major inconvenience, or pay the extortion fee. This is illegal, immoral, and i feel i am being taken advantage of, because I have no control over who buys my mortgage. 

over the life of the loan, that will equal to a minimum of {$1800.00} in fees that were not disclosed at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this card ( XXXX XXXX  ) and requested it be closed XX/XX/XXXX. This information shows on my credit report dated XX/XX/XXXX. After the card was paid, instead of closing the account as requested, XXXX Bank charged a XXXX dollar annual fee out of nowhere ( when the account should have been closed ), and charged late fees up to a total of XXXX dollars and then sold to a debt collector. This is outrageous.
Product: Credit reporting or other personal consumer reports

My Information was sold and bought illegally because I was a victim of the XXXX data breach. This resulted in numerous fraudulent accounts being opened due to Identity theft, I want these items Deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

The name should be listed as XXXX XXXX XXXX XXXX. 

The current address is XXXX XXXX XXXX  XXXX, XXXX, GA XXXX Accounts listed in error : Name XXXX XXXX Account XXXX XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXXXXXX XXXX