23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently view copies of my ( XXXX, XXXX and XXXX ) consumer reports and noticed that it is reporting my experience with your company. I wrote a letter regarding transactions and experiences ( utilization ) and payments that were marked late and reported by Navy Federal Credit Union ( NFCU ) for the following account ( s ) on the following date ( s ) : Used Vehicle Loan # XXXX, late payment date XX/XX/year> Visa Signature XXXX  XXXX  # XXXX late payment date XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX last reported XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX last reported XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX last reported XX/XX/year> This reporting is illegal and NAVY FEDERAL CREDIT UNION is in clear violation of the law. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences ( utilization and late payments ) between the consumer ( I ) and the person ( NAVY FEDERAL CREDIT UNION ) making the report. 

Utilization is an experience with the line of credit that was extended between the consumer ( I ) and the person ( NAVY FEDERAL CREDIT UNION ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between NFCU and I. 

NFCU HAVE VIOLATED THE FCRA 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) by reporting these transactions or experiences ( UTILIZATION AND LATE PAYMENTS ) on my consumer report which CONGRESS clearly states is NOT included on my CONSUMER REPORTS.

I GAVE 30 calendar days to update my utilization to 0 % usage and remove the late payments from said accounts and consumer reports with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ). Do not remove but update said accounts to pays as agreed or in good standing. 

Furthermore, I am REQUEST that NFCU provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that THEY have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

NFCU HAD 30 days from the date that THEY receive this letter to provide me with the information that I am REQUESTED. NFCU did not provide this information in the allotted time given, and it is assumed that NFCU can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ).
Product: Mortgage

There are 2 merging issues.

1-In XXXX, XXXX my husband lost his job. In XXXX, we filed Chapter XXXX bankruptcy. At that time we were waiting on a loan modification decision from XXXX XXXX XXXX XXXX sold the loan to XXXX XXXX XXXX who modified the loan and raised our interest rate from 2 % to a predatory 7 % rate and gave us no options but to agree. We struggled to keep up with the {$1000.00} payment increase and fell behind. I lost my job due to COVID-19 in XXXX, XXXX and we were unable to make the payments. Then we were told that the investor, XXXX, was foreclosing on oh home and had a sale date of XX/XX/XXXX. We hired an attorney from XXXX XXXX to stop the sale. While waiting for a modification, another sale date of XX/XX/XXXX was scheduled. That sale date has been cancelled as well. However, XXXX XXXX XXXX and XXXX are REFUSING to allow us a fresh start modification, despite us providing evidence that we can now afford the payments. 

2- on XX/XX/XXXX, XXXX XXXX XXXX claiming to be a representative from XXXX XXXX  of WSFS Bank XXXX called me. He said that we had been approved for a loan modification. He gave me case # XXXX and said my mortgage payment would be {$1400.00} ( taxes & insurance ) and our interest rate would be 3.5 %. But first I had to pay an escrow balance of {$2000.00}. Believing that the loan had Ben sold by h investor and a modification had been approved, I gave XXXX XXXX debit card information to secure the loan. ( When I asked him to email proof of the loan modification, he said I had to pay an escrow balance first. ) After putting me on hold to process the payment, he returned to the phone and said that his financial system was incapable of processing my debit card or banking information. He instructed me to purchase XXXX XXXX XXXX or XXXX XXXX cards at {$500.00} each and call him back with the information. Sensing fraud, I called WSFS Bank to verify the loan information. I was informed that I was not in their system. When I did not call XXXX XXXX back with the prepaid card information, he called my phone 15 times in harassment. I finally had to block the numbers he was calling from.
Product: Checking or savings account

I mobile deposited a check from old apartment into my checking account on XX/XX/2023. I received an email about my check stating when the available funds will be in my account ( no reason, assumed because insufficient funds which is reasonable ) on XX/XX/XXXX, which is about 7 days. After said date, the funds were " available '' but not accessible to me. I called capital customer service multiple times, and their reason was stating that the check XXXX was named differently than the company. Then when I provided a phone number for them to call to verify the company, capital one said they needed a " direct line '' to the accounting department of the company because the home number was not " verified ''. Which confused the realty company because the number I provided was the home number for all departments. Capital one has two recorded phone calls of me doing so.I have repeatedly checked to see funds available, and they were not until the week of XX/XX/2023. I was also not provided a hold deposit form which is required by banks with a 7 day hold. This cause me to be short on money for necessary things such as bills, daycare, and rent.
Product: Checking or savings account

Made p romises it could n't or would n't deliver and I was harmed {$370.00} at this time.     Direct Deposit form given to  XXXX   XXXX , Banker at  JPMorgan Chase  on  XXXX   XXXX  on  XXXX / XXXX / 2017 . The direct deposit never arrived on  XXXX   XXXX ,  2017  or  XXXX   XXXX ,  2017  as promised and I lost my benefits which remained with old checking account at  XXXX    XXXX   as well as the promised Bonus of {$300.00} and had accumulated {$74.00} in interest fee because I could n't pay off my  XXXX  Charge Card in  XXXX   2017  and in    XXXX    2017   .     Intentional Interference came from Banker  XXXX   XXXX  who held control of the form knowing it would not be handled within 60 days.     On  XXXX   XXXX ,    2017  I updated " My Social Security '' and directed the direct deposit to be deposited with Chase on  XXXX   2017 .
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 card or prepaid card

I purchased a pet through XXXX. In order to purchase the pet the same day, I applied for a credit card. When I applied, I was told that there would be no interest charges on the balance and that the balance would continue to go down as I paid. I agreed to apply and accept the credit card mainly for this reason as I planned to pay it off in a couple of months. My documentation that I signed does not have any APR % listed nor did I receive any documents stating I would be incurring interest charges. In addition, the rep at the store specifically stated that i would not be charged interest so I assumed this was like and " in-house '' credit card owned by XXXX. When I received my first bill, I paid the minimum amount but the 2nd bill came back with interest charges. I contacted the credit card company on or around XX/XX/2020 after receiving my 2nd bill and noticing the additional charges and that my payment hadnt been fully applied to my balance. The rep I spoke to said that the only way that I would not be charged interest is if they had applied a promotion on the card. This was after I informed them that the store rep told me that I wouldn't be charged interest and my docs do not list anything regarding interest charges. I also stated that I was never given a time frame for no interest charges after the rep informed me that the promotions only last for 12 months. So I filed a formal complaint which they stated would be investigated. They pretty much took about 2 weeks to " investigate '' and tell me that I had to pay interest charges. They stated that " my  purchase did NOT QUALIFY TO BE PLACED ON A PROMOTIONAL PLAN ''! THIS IS PRETTY CONVENIENT AS NO ONE EXPLAINED ANYTHING ABOUT WHAT, HOW, OR WHY A PLAN WOULD QUALIFY FOR A PROMOTION AS NO PROMOTION PLAN WAS EVER EVEN MENTIONED, ONLY THAT THERE WERE NO INTEREST CHARGES!! MY ISSUE WITH THIS IS THAT THIS COMPANY PRACTICED DECEPTIVE AND FRAUDULENT PRACTICES. THEY SHOULD NOT BE INFORMING CUSTOMERS OF ONE THING AND THEN CHANGING TERMS TO ANOTHER. I WAS TOLD I WOULDN'T BE CHARGED INTEREST SO I SHOULDN'T BE AND WOULD LIKE THE INTEREST CHARGES AND PAYMENTS TO BE REFUNDED TO ME. XXXX   AND COMENITY BANK ARE NOT TO BE TRUSTED! I wish I never had purchased from them or signed up for this credit card. I will definitely be paying this off this month and closing this account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Payday loan, title loan, or personal loan

The company, World Finance Corporation, reported to the credit bureau that I owed {$1500.00} and past due, in the same report as {$990.00}. This information is incorrect. 

When I went to pay, they made me pay the balance of {$1500.00} instead of {$990.00}, I paid the full amount of {$1500.00} to clean up my credit. This, in my opinion was an extortion to fix my credit.
Product: Credit card or prepaid card

My name is XXXX XXXX I currently have a US Bank Relia card that I use to collect my unemployment and I havent been able To access my funds for over 2 months now. I have {$1000.00} on my card that I cant use. I asked them can they issue me a new card because my card was made inactive they said they couldnt so I asked them why and they just keep saying they cant. Ive called them multiple times an Im being constantly told its nothing they can do and I need to contact My state agency and I did they said they have nothing to do with the card its US Relia Bank Card. I can check the balance on my card but I cant use the card because it is inactive. Louisiana XXXX wanted to know why were they still loading funds on an inactive card and why they couldnt issue me a new card. Im so irritated with the situation and you guys are my last result.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXXXXXX XXXX XXXX  ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
FCRA Violations : According to 1

5 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement.

Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
Reporting inaccurate information violates 15 U.S. Code 1681s-2, which prohibits the reporting of incomplete or inaccurate information to credit bureaus. 
Summary of Errors and Discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Two-Year Payment History : Late payments inaccurately reported for XX/XX/XXXX and XX/XX/XXXX. 
Account Description : Secured credit card, marked as " Amount in H/C column is credit limit, '' but conflicting details in payment timelines and balances. 
Impact on Creditworthiness : The discrepancies in the reporting by Equifax have caused significant damage to my creditworthiness, leading to denial of financial opportunities and undue stress. Accurate and complete information is critical for fair treatment in financial decisions.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report. 
Written confirmation of the correction. 
Assurance that the reporting will be accurate and consistent moving forward. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies such as the Consumer Financial Protection Bureau ( CFPB ). 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I went to Volkswagen in XXXX XXXX MO when I was XXXX years old to look at getting my first car. I was asked by the car salesman to call my mom and see if she would co-sign for me. He explained that I might be able to get a better deal if she did so. After she agreed he immediately started showing me new vehicles. He suggested a lease knowing I could not pay anything over {$500.00} stating that this is better deal. He misconstrued what a lease was and the features on the contract. He stated that when I got to 48,000 miles ( or 4 years whichever came sooner ) the lease would be over and I could end it or trade it in for a new car. When I was nearing this amount of miles I went back to the dealership to discuss my options. The person I spoke to said that everything I said I was told is incorrect and because I was at this mileage at this point in my contract I would be subject to thousands of dollars in fees and suggested I switched to a purchase. I am XXXX now and barely able to survive after making my rent and car payment. I have tried to look at trading it in but I owe about {$22000.00} more than it is worth and nobody can help me. I believe Volkswagen took advantage of my ignorance and lied when explaining the specifics of my contract to me verbally. I have submitted several written complaints via email from Volkswagen Credits website and have never received any response.
Product: Debt collection

Amsher Collection services has four alleged debts listed on my credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made XXXX and XXXX 's payments and they haven't been reported yet. Experian is slow in updating their records and They need to be audited
Product: Bank account or service

Over five years ago, I opened a " XXXX Checking '' account with Citizens. The account encouraged electronic transactions so, when XXXX were processed, the monthly {$4.00} fee would be waived. All statements would be electronic with email notification. This was perfect for me. I used my work email address for these notices and had a good relationship with the bank. 
In XXXX, I lost my job and my major source of income. My direct deposit days were over and I ceased using the account. 
In XXXX, my XXXX chose to open an account with Citizens, and the teller asked if I had an account ; I told her that I had one years ago but had closed it. She made no comments and continued with opening our XXXX XXXX account. 
I guess I had never closed the account as I thought I had in XXXX - because I received a notice in the mail in XXXX XXXX stating that my account had over {$500.00} in it, that it would be closed due to inactivity, and the funds would be turned over to the state of New Hampshire. I signed the form stating not to close the account and then called the bank to find out what was going on. 
The person I spoke with at Citizens ' call center number was quite helpful. It turns out that a small deposit was made monthly by my former employer to the Citizens account in their error, which was supposed to be sent to a different savings account instead. I had no idea that this deposit was going to Citizens. Despite the fact that my email address had been invalid for many months and likely generated a bounce back for every single communication that Citizens bank sent, I did n't receive postal mail or even a courtesy phone call to inform me of this - ever. Even when the deposits stopped, I was charged fees. And somehow, along the way, I was being charged {$9.00} monthly fee instead of the {$4.00} - a 100 % increase. Not only did I receive no notices via mail or otherwise, but also no notice of the fee change. This fee was deducted for not months but years, and put a significant drain on any money that had been saved. The amount of money taken in fees is comparable to what many people earn in a week. 
A few days later, I visited Citizens branch in downtown XXXX NH to discuss the fees and procedures in person. The account representative was not friendly and placed blame squarely on me. She did not understand my situation and I felt that she was less than helpful. I did leave her with my phone number - and received no call back. A few days later, after no information, I logged in to the electronic banking. There were XXXX fee refunds, and a new fee charge. Oh, and your branch still never contacted me. I came in person to speak with the same representative, waited for almost 30 minutes with no representative to help. Being that I was upset and also burning up my lunch break, I closed the account at the teller line.
Product: Debt collection

OPPORTUNITY FINANCIAL LLC have failed to provide consumer with an authenticated record of accounting to validate and verify alleged debt. This is my FINAL NOTICE to provide me my request for accounting. I have the right to an authenticated record of accounting which should be readily available to you as the custodian of records and/or the collective entity. 

Please note that this authenticated record must include ALL tax filings ( including ALL 1099 's, 1096 's and 1098 's ) ANY and ALL trades and/or investments and/or interests associated with this account of which I am alleged to be a party. 

I have a right to this information, as its directly associated with the reporting activities associated with my financial record. 

Failure to act and/or comply will result in legal actions under Federal Laws
Product: Credit card or prepaid card

After being approved for. CapitalOne XXXX XXXX XXXX, I was assured back on the application method I would be able to obtain a virtual/digital card for immediate use. I would not have gone to the store if I was unaware that the virtual card would fail to work as promised.