23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, I signed up and thought I canceled my membership with XXXX XXXX until one day I say {$62.00} was taken from them. Seeing that I went through my old statements and saw that theyve taken {$280.00} in total. I went back and forth with XXXX XXXX customer service from XXXX to XXXX ( all through email ) indicating that Ive sent in multiple attempts to cancel my membership as Ive never entered a location. During this time I disputed it with my bank and was giving a temporary credit in case I won the dispute. After about 8 attempts to cancel through paper mail, email and phone calls they terminated my membership after no use. On XX/XX/XXXX my bank emailed me saying I lost the dispute, XXXX was in the right, and theyll be removing the temporary funds I.e paying XXXX. 
I started receiving frequent calls from XXXX XXXX a representative from Aldous & Associated starting XX/XX/XXXX. They would call from a new number every time from different states ( I have voicemails ) .I called back and spoke with XXXX XXXX letting her know the debt was paid and I can send a screenshot showing it came from my account. She told me they only accepted paper mail and I would have to send the proof. XX/XX/XXXX I mailed the letter/proof ( I have a video of the letter ). I called my bank to ensure I sent the right documents and that XXXX was paid they assured me that the debt was settled and that was the only information I needed to provide. XX/XX/XXXX I received another call from XXXX XXXX saying I need to call back because the debt isnt settled when I did she said they received my proof but need to verify with XXXX XXXX I let her know they need to figure that out because the money was taken and the proof was given on my end. Ive still been receiving calls saying I need to let them know if they should move further asking XXXX for proof. Today XX/XX/XXXX I spoke with XXXX XXXX again she got mad after I let her know they have no reason to keep contacting me the debt has been paid. She told me to send the same proof again with an attitude and hung up on me. I called back to speak with a manager they put a fake manager on the line named XXXX XXXX who started to scream at me then hung up. I called back again another man immediately answered calling me the wrong name saying I need to pay XXXX I said oh is that the name you see on the account he clearly was using a fake voice and starting to scream I hung up on them. I have proof of most of this via Screenshots, videos and email. 

Sorry for the lengthiness.
Product: Consumer Loan

In late XXXX 2016, I paid off a 401K loan with the goal of applying for a new loan to purchase my XXXX home. I made several calls to XXXX XXXX before requesting the loan to ensure the new loan disbursement would be available in time for me to make my XX/XX/XXXX car payment prior to the 30 day past due mark. Unfortunately this did not happen despite me taking every precaution. 

Once I realized I could not make the payment timely, I made a payment arrangement online at NissanFinance.com to make payment by XX/XX/XXXX. The money was n't deposited to my account until XX/XX/XXXX ( 3 days later ) when I promptly made payment. I also contacted NMAC by phone asking if there was anyone I could avoid late/derogatory reporting to the credit bureaus and was told that a report had already been sent & there may not be anything she could do to adjust. 

On XX/XX/XXXX I received an alert from XXXX that my loan was reported as 31-60 days late. I immediately mailed XXXX letters to NMAC requesting goodwill adjustments to that report. I never received a response from NMAC but I happily received an alert on XX/XX/XXXX that the negative reporting was removed. 

To my shock, on XX/XX/XXXX the XX/XX/XXXX payment has now been reported as 30 days past due again. I 'm requesting that this reporting be adjusted in light of the prior removal. I did attempt to resolve by phone on XX/XX/XXXX but the associate I spoke to simply denied it was ever adjusted back on XX/XX/XXXX & would not assist. 

Although I acknowledge the issue with my payment was entirely my fault and not NMAC, I am asking that they adjust this single late payment since the loan was initiated. I 've confirmed that there is no regulation that states that a creditor is required to report this & am asking that NMAC simply remove the mark as they did on XX/XX/XXXX. 

I 've attached copies of the XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX credit file to reflect these changes.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting these accounts incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$6800.00} and {$21000.00} respectively. According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 

ABSOLUTE RESOLUTIONS I ( Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear [ XXXX ] XXXX I am writing to formally request the correction of personal information on my credit report. Despite multiple disputes filed with your bureau, I have yet to receive any meaningful action. Instead, I continue to receive stall letters without any resolution. Below, I have provided the correct and accurate personal information for your records : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, Texas XXXX Occupation : Chief Executive Officer ( CEO ) Social Security Number : XXXX Date of Birth : XX/XX/year> Additionally, I do not wish to have my phone number included on my credit report. Please remove any phone numbers currently listed. 

I request that you remove all inaccurate and non-deliverable addresses from my credit report, as these are not reportable under the Fair Credit Reporting Act ( FCRA ). These addresses are not deliverable to me by the U.S. Postal Service and should not appear on my report.

Please find attached the letters I sent to each bureau as further documentation of my dispute. 

I trust you will address this matter promptly and in accordance with the FCRA. Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported in my Credit Report by GM Financial in the file that they maintain under my social security number. Upon reviewing a copy of my credit report. I have been notified that the billing address was incorrect. I have never received a billing statement from GM Financial. I understand that mistakes happen, but their inaccurate information could cost me higher interest rates and I have enough expenses as it. this is affecting job opportunities and my living situation for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I found 3 unvalidated collections had been added to Experian 's credit reporting service under my name. I disputed with this bureau last May and they left the collections in place. Then I contacted the collection agency, XXXX XXXX XXXX, mailing them via certified mail a request for them to validate the debts listed. On XX/XX/2022 they sent my a pack of documents that gave line by line medical codes, medications, and procedures performed. There was NO ORIGINAL SIGNED CONTRACT bearing my signature, no signed HIPPA release attached giving this creditor access to personal medical history and data. There was nothing in this mailing to me that indicated they had any relationship with the original creditor to collect this debt. According to federal guidelines, they had FAILED to validate these three collections listed on my report with this bureau. I did not realize how my rights had been violated until meeting with a lawyer last week, who informed me of what had been done and gave me instructions to do next. I began a second dispute online with this credit reporting bureau, this time uploading my supporting documents that XXXX had failed to validate the three debts. After only 2 days, Experian came back with the results of their " investigation '', leaving the unvalidated three collections on my report!! I feel that the reporting bureau did not even look at my documents or bother to read my dispute. This is an outrage! I demand that Experian Credit Bureau remove the three collections that XXXX has placed on my credit. This has severely damaged my reputation, my ability to borrow money for nearly a year now! I demand restitution. According to federal guidelines regarding credit reporting, that I am entitled to have Fair and ACCURATE reporting on my credit!! This is a serious situation!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having issues updating and correcting personal information on my credit report
Product: Credit reporting or other personal consumer reports

I am writing because I have a account on my credit report that is not mines. And should be deleted from my crefit file .. Me and my father have the same first and last name. I also have a letter from XXXX stating the fact.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX 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  XXXX5 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 consumer reporting agency can not furnish an 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 or any adverse items 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

I initiated a credit dispute with the XXXX credit reporting agencies on late payment remarks that are inaccurate. Also I did contact the creditors and they ran in investigation and sent me letters stating that I was not late. I have sent this to the credit bureaus and they refuse to do their jobs. I 'm just trying to get this rectified so I can purchase a new home for my family.
Product: Credit reporting or other personal consumer reports

XX/XX/24 File aXX/XX/XXXXwife was to make payments in a timely manner. Account has been late and a XX/XX/XXXXXXXX was filed without my consent or knowledge. Due to her filing bankruptcy and because I am a cosigner on the vehicle, they have placed her bankruptcy as well on my credit report hindering me from obtaining homeownership. I am requesting for this bankruptcy account to be removed as soon as possible. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : U S DEPT OF EDXXXX XXXX Account Name : XXXX, XXXX & XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : DEPTEDXXXX XXXXXXXX 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 that consumer reporting agency can not furnish an 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: Checking or savings account

I am writing to formally file a complain regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices were deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a method of verification to the credit Bureaus asking them to verify the debt. They have already said that these items were verified correctly. My credit report Are still showing inaccuracies.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnished 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, credit repair services, or other personal consumer reports

Hello, you're currently violating my rights under the law. The IRS describes a charge off as gross or ordinary income and you're currently reporting charge off on my credit. Now tell me how's this reporting as debt? This is not accurate of fair information that you're reporting on my credit. Here 's one violation, 15 USC 1681 talks about accuracy and fairness of reporting. Second violation, 15 USC 6801 protects my information of non public personal information and also violation of 15 USC 6802 obligation to respect of disclosure and you did not provide me this information. You also, never sent me a 1099 cancellation of debt form. You have violated me. I need this charge off be deleted. I demand that this charge off be deleted from my credit.
Product: Checking or savings account

This complaint concerns the lack of transparency and needless process of investigation of a simple transaction by Citibank, NA. 
On XX/XX/XXXX, I was approved to send wire transfers through my account. I then sent a wire transfer in the amount of {$250.00} to my son who lives in overseas, which he needed immediately. I received an email notification on XX/XX/XXXX that the transfer was on hold, and if I didnt contact them by XX/XX/XXXX, the transfer would be cancelled. I immediately contacted the bank and went through a series of questions to ensure that the transfer was not due to any duress or fraud. I answered no to all of the questions. I had no problem with that. I was then transferred to another person who asked if I had tried to set up an XXXX account on XX/XX/XXXX. I really could not remember whether I had done that, but because it seemed possible, I just said yes. 
On XX/XX/XXXX, I checked my account, and could not access my account online. I called to find out why, and was told that the transfer was on hold and that they were investigating the wire transaction. I repeatedly asked for an explanation of why that was occurring, but the account representative just kept repeating that the transaction was pending. I asked to speak to a supervisor, named XXXX, who repeated the same thing without any explanation. They merely said that the back office is looking into things and would get back in touch in 24-48 hours. Meanwhile, I was unable to access my account or use my card to access funds. She offered to expedite the review but could offer no other explanation or remedy. 
I am a consultant by profession and paid as a contractor. My income is irregular. When my funds get low, I sometimes turn to friends to help out. This time, I borrowed {$550.00} from a friend, who wrote a check for {$550.00} made out to me with a slight misspelling of my name. I deposited the check remotely and set up the wire transfer. For such a simple name it is often misspelled. This has never caused a problem before. It should not now. Or if it does, why not tell me that? 
Regarding the wire transfer, it was not the first time I have wired money to my son, who has resided overseas for over ten years. I spoke to him via XXXX, so I know it was he and that he urgently needed the money. I thought that after undergoing the fraud review, we would have no further issues. There was absolutely no fraud, duress or any other irregularity. Yet Citibank has found grounds to investigate the transactions and refuses to say why. This has happened before in XXXX of XXXX, with a check sent to me by an insurance company for {$17000.00}, following my fathers death. The check was investigated but never resolved. I ended up having to call the issuer to stop payment and issue the funds electronically. 
It is unjust to go through this repeatedly, especially for such a small amount. I am expecting payment on another check soon and can not have my account pending, or subject to review for reasons not shared with me. I understand the banks need to protect its interests against the rampant fraud out here. But the price I have to pay for that is too high.
Product: Payday loan, title loan, or personal loan

Paid Loan In Full on XX/XX/17 with MoneyLion. Contacted company, via e-mail, to cancel my " membership '' fee to MoneyLion Plus, but was told that I needed to reach out to a " specialist '' to cancel. I used the exact same e-mail address that was sent to me to acknowlege that the prior " membership '' had been processed.
Product: Credit reporting

My name is XXXX XXXX XXXX. From XX/XX/XXXX until XX/XX/XXXX I resided at an apartment complex run by XXXX called the XXXX in XXXX XXXX. My rent was always paid on time and I never had a complaint lodged against me as a tenant. I gave the required 30 day notice of intent to leave on XX/XX/XXXX in order to attend XXXX in XXXX in XX/XX/XXXX. On XXXX XXXX, I turned in my keys and gate card to the office and they issued me a release from any further contract obligation. A month later, the complex emailed me a bill for {$230.00} to paint the unit and empty garbage that was in the garage ( this was not emptied because the maintenance man was in a hurry to leave for the day and I had to give him the remaining key to the garage very quickly and forgot to take the garbage out before the garage door closed. The walls of the unit were patched and repainted the same white shade of paint before I left ( I borrowed paint from Maintenance ). The carpet was shampooed ( although, after 12 years, it usually would be replaced, but I take my shoes off at the door ). The new tenant moved in two days after we vacated. The credit bureau has a company called Fair Collections and Outsourcing - FCO that is reporting that I owe XXXX {$480.00} dollars ; I contacted XXXX and questioned their bill for {$230.00}. Their bill negates a deal that tenants got for 10 % of each monthly rent applied to a pot of money to be applied to closing costs for the purchase of a new home with certain builders ( {$120.00} x XXXX x XXXX = {$17000.00} ). FCO has refused to detail their bill with me and refused to remove it from my credit bureau for the last two years despite the difference of {$250.00} between their bill and that of XXXX. I continue to dispute this on all XXXX credit bureaus and they continue to tell me that it is a valid bill despite the fact that I have never seen the bill for {$480.00} and they are refusing to send to it me. Yesterday, I called FCO and offered to pay the {$480.00} in full if they would just remove the charge from my credit after I pay it ; they refused to do this. I have attempted to call XXXX and their XXXX offices do not answer the phones ( automated to voice mail ). In the meantime, the XXXX was sold to a different company ; XXXX appears to be having problems with their XXXX rental properties.There were days in this unit where I went without AC in the middle of the summer for several days, but I did not ask for a rent reduction. There was an incident where the complex allowed a moving XXXX to park next to my vehicle and the XXXX company side swiped my car. When I reported this to the office staff at the XXXX, they refused to give me the name of the owner of the moving XXXX to place a claim - damages to my car were {$490.00}. I did not make an big magilla over these issues because I knew it would not be resolved and would only cause hard feelings for the time I rented there. Now I am very upset about what has happened to my credit on this and am frustrated that FCO will not even give me a copy of their bill from XXXX that they are reporting as delinquent for me.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer -provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX-XXXX-XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX  Account Number XXXX  XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX  XXXX  XXXX XXXX XXXX. XXXX Account XXXX XXXX  XXXX  XXXX  XXXX XXXX. XXXX Account XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX used my credit report without my authorization. Both these dealerships sent my credit application to multiple finance companies without my consent, causing many Hard Inquiries. I mailed each of the companies and they stated that these 2 dealerships authorized them to run my credit. This was an illegal use of my credit authorization and I would like these Hard Inquiries removed from all three ( 3 ) credit bureaus.