23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX about this account reporting late when they illegally closed my account while it was current and never late. This account was closed without my permission for no reason of my own. The law states all information must report accurately otherwise be deleted. I plan on pursuing this account in small claims court I have records showing this account being closed I've never been late. I demand this account is removed from my credit immediately as it is reporting inaccurately showing late and I've never been late showing open when it was closed for no reason. When I spoke to the agent they immediately apologized for the status and said they would remove this status and were not able to provide the reason the account was closed. The only thing they mentioned was they sent me a letter to my old address asking me to verify my account I never received a letter so they closed my account and it was currently never reporting late ever in the 2 years I've had an account. 
I'm in the middle of purchasing my home and this incorrect information that is reported inaccurately is affecting my purchase remove immediately.
Product: Credit card

My wife had added me as an " authorized user '' on XXXX department store credit cards. Unfortunately, she lost her job and subsequently had to file bankruptcy. The department store 's credit card company started hounding me to make the payments. I explained to them that I was not the account holder but just an authorized user. They continued to hound me so I asked for proof where I had signed an agreement to pay the credit card bills. Of course, their reply was that there was no proof where I had signed such an agreement. I then asked them to stop writing or calling me but they continue to do so. What can I do to stop this harassment? They have also reported this to the credit bureau which has ruined my credit.
Product: Checking or savings account

Went to get gas they charged me {$100.00} for XXXX in gas and a bill wasn't paid couse of this
Product: Debt collection

Nationwide Recovery Systems has continued to report an alleged collection account to the credit reporting agencies ( XXXX, XXXX, XXXX ) in the amount of {$280.00} without a DOFD ( Date of First Delinquency ). I disputed the validity of the debt and the lack of a DOFD several times ( XX/XX/22 XX/XX/22 ), but Nationwide Recovery Systems continues to claim the validity of the debt without providing the DOFD. This gives the erroneous impression that I have recently and knowingly defaulted on a debt.
Product: Money transfer, virtual currency, or money service

While trying to sell a XXXX for a profit, their entire service went down before a drop in price. All these XXXX exchanges seem to go down when prices are about to drop. Pretty interesting. I tried to sell for profit and couldnt because they were down, when it came back up it had triggered a stop loss that the charts never showed taking place. Stop loss was set at XXXX price never went under XXXX. Instead of gaining the XXXX or XXXX $ from the sale I ended up taking a XXXX $ loss. They shouldnt be able to go down when markets drop with people money hostage. This is not fair. No warning or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX  Amount : {$53000.00} XXXX Personal Credit Line : {$60000.00} When spouses divorce, and the one spouse is supposed to refinance, and deliberately fails to do so, the mortgage lenders have the discretion to honor the divorce decree or not by removing the non-responsible party from the Mortgage & Home Personal Credit line.

However, if they choose not to, they don't offer any alternative solutions to the spouse who, by a legal divorce decree, isn't responsible for the loan, which also states that states no party is permitted to continue extending credit to either party using both names. Credit can only continue being extending in their own names. 

They merely suggest court and contempt of court charges which actually leaves little to no recourse for the divorced spouse to actually force a resolution, as sending someone to jail for contempt doesn't actually solve the problem, particularly when the other parties intention is solely to harm the other party, in any and all ways that they can. 

Not only is this financial abuse from the ex-partner, the mortgage company is facilitating it, when they dont follow their own procedures by foreclosing on the property when this ex-partner continues to not pay. 

While obviously NOT ideal, a foreclosure would at least provide the non-responsible spouse an actual end to the financial abuse that the bank is facilitating by failing to honor the divorce decree. 

Mortgage companies should be required to stipulate who is responsible for the mortgage & any Home Credit lInes in event of divorce and remove the other party from the loan after a divorce at the time of the signing. They should allow for amendments to be made if something changes too.
Product: Credit reporting, credit repair services, or other personal consumer reports

my mortgage account with XXXX Mortgage shows as not current for over a XXXX when the account has been on automatic withdraw from my checking account
Product: Credit card

Dear CFPB and XXXX, I am writing to formally lodge a complaint against Wells Fargo Bank for their repeated failure to process my automatic payments, which has resulted in unjust interest charges of {$43.00} on XXXX separate occasions over the past XXXX months. 

Despite having set up automatic payments well in advance, the bank failed to deduct the payments on time, leading to these charges. I believe this is not merely a technical error but a deliberate tactic designed to exploit customers for financial gain. 

I have contacted Wells Fargo more than XXXX times regarding this issue and have submitted XXXX formal complaints directly to the bank. However, they have failed to resolve the problem, and the interest charges have not been refunded to date. 

This situation demonstrates a lack of accountability and a breach of trust on the part of Wells Fargo. Their actionsor inactionsnot only violate the principles of fair banking practices but also cause unnecessary financial stress to customers. 

I request the following actions : XXXX. A full refund of the XXXX {$43.00} interest charges. 


XXXX. A thorough investigation into Wells Fargo 's automatic payment system to prevent similar issues for other customers. 



Please assist in ensuring that Wells Fargo is held accountable for their practices and that customers like me are treated fairly and respectfully. 

Sincerely, XXXX
Product: Checking or savings account

I abruptly started receiving emails on XX/XX/XXXX claiming that Chase had terminated my account, so I called them right away to find out why. They recently informed me that I will no longer be able to open accounts at their bank and that my account will be terminated. Being an XXXX XXXX  in the United States, all of my living expenses are saved in Chase Bank thanks to my parents ' wire transfer.I went to the branch on XXXX XXXX  right away because I only had one debit card at that point. They informed me there was nothing they could do and to wait. I've been waiting for ten days, and during that time I haven't had a single dime with me. I had to borrow money from my XXXX to get to school and buy food. I don't know why they did it to me, and I'm not angry with them anymore for shutting my account without providing a reasonall I want is my money returned.
Product: Student loan

I was told a few months back that I was to be forgiven my loans dating back to XXXX via XXXX XXXX, XXXX Fl as i.had public service job with 80 % XXXX  vet for XXXX yrs till he died XX/XX/XXXX. My income is XXXX a month and I am XXXX XXXX  in debt since moving from XXXX  to XXXX and I am XXXX yrs old!
Product: Credit card or prepaid card

I opened a credit card with Best Buy years ago and had used it only for large purchases. Over the years the balance never paid down despite making timely monthly payments and going long periods with no use. When I went to investigate the bill I found I had been paying for a service that I did not want and for which I don't recall signing up. This had been a recurring charge that was about {$23.00} a month. Over the years this amounts to thousands of dollars that they got from me through this predatory scam of " debt protection '' all while I'm being charged interest on these charges as well. I called the company to dispute this service and to request a refund of the money they had taken from me. I was told that they would investigate my complaint and get back to me. I have no reason to believe that they will investigate themselves while advocating for me, the consumer, in this scenario. I feel I have been taken advantage of.
Product: Credit card or prepaid card

XX/XX/XXXX - Navy Federal Credit Union added a " 30 day late '' on my credit report for the month of XX/XX/XXXX for a missed payment of {$610.00}. I have never been late on ANY credit card payments for ANY company. Navy Federal Credit Union never sent me an email, hard copy statement, or a telephone call saying that I owed money on my credit card statement. 

XX/XX/XXXX - I called Navy Federal Credit Union to dispute this derogatory on my credit report. I also made a dispute with the credit bureaus. The manager at Navy Federal Credit Union who took my call told me that he would take this derogatory off my report XX/XX/XXXX - I just utilized my free annual credit report and discovered that Navy Federal Credit Union never took the derogatory off of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed    XXXX   XXXX   XXXX   numerous of times on my credit report with   XXXX   and EQUIFAX. It is showing as an repo on my credit. I have asked for debt validation from   XXXX   CB 's and orginal creditor. I have asked for an copy of the orginal contract. I have called the creditor and was informed that they have no trace of the contract that an agent will request to see if the warehouse has it. That was o n  X/XX/17 .   On  X/XX/17  I ca lled back and the agent told me she doesnt know why but there isnt a contract on file. This is creating an hardship and I will proceed to sue if this error isnt corrected.   XXXX   a nd EQUIFAX is going against the FCRA by not looking into my disputes.
Product: Credit reporting or other personal consumer reports

i sent letters to the cra 's on XXXX, for reporting inaccurate and incomplete information on my credit report they they deemed verified. they have violated 15 usc 1681eb and 15 usc 1681s-2b for not deleting inaccurate information from a consumer credit report. plus i have paid rentdebt automated collection in full and they need to delete the account from my credit report.how can XXXX XXXX XXXX verify something to the cra 's when they haven't verified anything with me
Product: Debt collection

In an attempt to collect a debt, the agency poses as lawyers and alleges that a " XXXX XXXX XXXX XXXX '' is pursuing " serious allegations against '' me that are are four federal, criminal charges if I do not resolve the debt. The amount of the debt changes from time to time, and they are all affiliates of the same company. In particular, this agency has already been ordered in Administrative procedings to cease this activity in 2014.
Product: Checking or savings account

On XX/XX/XXXX, I decided to refinance my car. I paid {$680.00} to Credit Acceptance Corporation. This was the difference in the actual value of my XXXX XXXX XXXX and the l balance with the lender at the time, Credit Acceptance Corporation. My credit union paid off the remaining balance. The transaction was seamless. I refinanced my car and the first payment has been deducted from my checking account with my credit union. 

On XX/XX/XXXX, I decided to make sure my mortgage payment had processed. While checking my account, I noticed that {$390.00} had been deducted by Credit Acceptance Corporation. I called and spoke to a nice young lady named XXXX. I told her about my dilemma, explaining that I did not want my mortgage payment and several other charges to bounce due to their mistake. Although she was very sympathetic, she said that she would need documentation from me, that it could be a lengthy process, and that it would be quicker for me to contact my credit union to have them dispute it. She confirmed that my account was paid off and that the payment was deducted anyway. She was just doing her job, and I understand that. But it left me, as a consumer in the cold. 

By the grace of God, I did have a few extra dollars to keep my mortgage from returning unpaid. It is automatically deducted from my checking account each month. But what If I had no other resources? This should not happen to anyone. It shows negligence on behalf of Credit Acceptance Corporation. Now I have to wait 5-10 business days for the funds to be disputed and restored to my account through my credit union. I am grateful that I had the extra funds to make up for the shortfall, but now I do not have access to that money during a pandemic. That is not fair. 

Not only do I want my funds refunded, but I also would like a letter on CAC letterhead apologizing for their mistake and promising that they have taken steps to keep this from ever happening again. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX processed my car refinance flawlessly. Their name should not be mentioned in anything published on line. This is strictly between me and CAC.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD bank is reporting inaccurate data to XXXX : XXXX negative date is XX/XX/2016 according to their data, TD Bank is reporting to XXXX XX/XX/2016 as XXXX negative date. 

TD stated a XXXX amount due, TD Bank is reporting to XXXX a balance of {$45000.00}. 



TD Bank is required to report all accounts to the credit bureaus fairly and accurately per the Fair Credit Reporting Act. Unfortunately, unless the credit mark is verified to be a result of bank error, courtesy removal requests do not align with the fair credit reporting rules and regulations. 

THIS IS A HUGE ERROR, THIS DOES ALIGN WITH THE FAIR CREDIT REPORTING RULES
Product: Credit card

Just recently within the last 3 months I started using direct deposit once again for my Navy Federal Credit Union account. I also have a credit card with them. This credit card allows me to earn 1.5 % cash back on all purchases. If I have direct deposit that goes into my checking account ( which i do ) I would earn 1.75 %. For the last few weeks I've been telling them that I have not been getting the 1.75 %. I was told that they see the direct deposit and to continue to wait up to six magical weeks. Just recently I inquired again and all of a sudden they tell me that I don't have a direct deposit that qualifies which is a lie. It's the same direct deposit that I have done for many years before I briefly stopped for a few months. They are also now telling me that they no longer offer the 1.75 % even though I was getting direct deposit before hand and followed every term. It's like they purposely dragged it out and waited and lied.
Product: Credit reporting or other personal consumer reports

Theres a collection from XXXX XXXX XXXX account number XXXX & XXXX reporting on my consumer report.This is not my debt. 
XXXX XXXX XXXX, has summons me to court for this debt and the Lawsuit was dismissed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX medical collection agency, and XXXX XXXX XXXX XXXX my HIPPA rights by sharing my personal information with the credit bureaus. While XXXX removed the accounts, XXXX and Experian both refused.
Product: Debt collection

Due to becoming XXXX with XXXXXXXX XXXX of XXXX, I needed to move to XXXX  due to decreased hours at work and no longer being able to afford rent. XXXX XXXX, CO provided renters the option of a COVID-19 Lease Amendment with multiple options to defer payment, add a co-signer or terminate and vacate ( as seen on attached document ). I personally opted to terminate and vacate. As per the documentation I was not to be responsible for any further obligations. I officially vacated XX/XX/XXXX, per the lease amendment agreement. The agreement was signed by both parties and landlord at that time would have taken the signed copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer in fact, recently checked my credit report and I saw an unauthorized inquiry from XXXX/MARLETTE on XX/XX/2022. I did not authorize nor give any written consent to this inquiry on my credit file. This is identity theft from BEST EGG and I have been injured.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against PennyMac Loan Services and the credit bureaus regarding the inaccurate reporting of my credit information. Despite my persistent efforts to resolve this matter, I have encountered significant challenges that remain unaddressed.

Details of the Complaint : - Account Name : PennyMac Loan Services - Account Status : Reported as open ( should be reported as closed ) - Transfer Date : Sold back to XXXX XXXX XXXX XXXX - Nature of the Issue : PennyMac Loan Services continues to report this account as open on my credit report, despite it being sold back. This misrepresentation is adversely affecting my credit score and financial standing. 

Legal Basis : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 609 of the FCRA, I have the right to dispute inaccurate information and request that the credit bureaus conduct a reasonable investigation. However, despite multiple disputes filed with the credit bureaus, my concerns have not been adequately addressed.

2. Accuracy Requirement : The FCRA mandates that consumer reporting agencies must ensure the accuracy of the information they report. PennyMac Loan Services is also obligated under the FCRA to provide accurate information to the credit bureaus. Their failure to correct this erroneous reporting is a violation of the law. 

3. Failure to Investigate : In accordance with Section 611 of the FCRA, upon receiving a dispute, the credit bureaus are required to investigate the matter. My repeated attempts to have this issue investigated have been met with inadequate responses, and the incorrect information remains on my credit report.

The negligence displayed by both PennyMac Loan Services and the credit bureaus has caused me significant distress and has negatively impacted my creditworthiness. I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against both parties for their failure to comply with federal regulations regarding credit reporting. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX, I have a refund credit of {$1000.00} posted to my Best Buy store card by citibank. I have called them multiple times, but they say they can not help me because they are unable to verify my account using my phone number. The phone number I gave them is the one listed in my account and also the phone that I used to call them with. Apparently there are a multitude of issues with citibank verification system. I would just like my refund because as a XXXX XXXX, it is hindering me from getting gas money, groceries, etc.
Product: Credit reporting or other personal consumer reports

There are reports of transactions and experiences on my credit report that was not provided by me. nor did I give consent. 

Please see attached
Product: Credit reporting or other personal consumer reports

Ive recently reviewed my credit report and notice that I had fraudulent activity please remove all fraudulent accounts thank you
Product: Credit card or prepaid card

on XX/XX/XXXX card last 6 digits XXXX was charged in the amount of {$530.00} for a title transfer, registration and tag at XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX, XXXX XXXX, FL XXXX approximately 3.8 miles from my home, I filled out all necessary paperwork and was told to return the following day after XXXX. I returnedon XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. I came back to the place of business five times in a 8 day period in which my tag and title transfer was never completed. I asked the business for a refund however I did not have my card available to place the refund on my card. The merchant explained if I did not have my card that they could not process the refund and I should just go through the bank to process my refund. I went to Wellsfargo bank and they advised me that I should go to the Merchant to process my refund because the merchant did offer the refund and there is nothing Wellsfargo can do. I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a refund on XXXX they declined to process my refund because I was already going through the dispute process with Wellsfargo. Wellsfargo is declining to resolve the matter even though I have proof that I went some where else to process my title, registration and tag. I paid approximately {$390.00} to XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX. XXXX XXXX FL XXXX for a tag title and registration. The Wellsfargo rep explained that I would not be able to open a dispute again as I have already been through the dispute process, I asked for my claim to be escalated and the representative told me my claim was already escalated.
Product: Credit card or prepaid card

I consumer entered into a consumer credit transaction with Navy Federal Credit Union. 
It has been noted on the payment coupon AKA bill/statement that this 100 % value coupon is being accepted for the value indicated ( {$12000.00} ) 15 USC 1602L . I wish to thank you for obtaining the funds from my government-created XXXX XXXX XXXX account for me in order to prepay this obligation. You could have informed me about this process a long time ago as it could've prevented my family and I unnecessary financial stress. 

Fact, Navy Federal Credit Union is in violation of 15 USC 1611 under provisions of 15 USC 1601. 
My application is actually a negotiable instrument and accounts receivable pursuant to UCC Article 3 3 -304
Product: Debt collection

THIS IS NOT A DUPLICATE. I submitted a complaint against Focus XXXX and XXXX XXXX. I moved into an apartment at XXXX XXXX XXXX on XXXX/XXXX/XXXX ( I have attached the lease validations from the residence management company ). XXXX submitted a collection to Focus showing the XXXX delinquency date as XXXX which was BEFORE I moved in. 

They have taken a previous resident 's bill and placed it on my credit bureau as a collection. XXXX said I needed to file a police report and file fraud affidavits. This is not fraud ... it is poor accounting and management. 

I filed a complaint against XXXX XXXX and CFPB told me I needed to file against Focus. I have attached my credit report showing the first delinquency of XXXX ... I have attached a letter from the property manager showing I moved in in XXXX.