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

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XXXX XXXX, 2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors. 

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. 
Can you fix
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have 30 days to CORRECT this account listed below : XXXX XXXX Date opened XX/XX/XXXX Balance {$720000.00} XXXX Late Date XX/XX/XXXX
Product: Vehicle loan or lease

I financed a car with NAVY federal years ago and car was repossessed and sold without a court order or advanced notice while I was XXXX on XXXX XXXX. I was supposed to be protected under SCRA guidelines. I have been tryin to fix this issue for years as it is still reporting a balance on my consumer report I tried to handle this situation kept being told they had nothing on file. I have attached the same document that was submitted from years ago.

Protection Against Car Repossession Under the SCRA. The SCRA prevents car loan lenders from repossessing your car without a court order while you're in military service. To qualify, you must have signed the loan agreement and paid at least the deposit or first installment payment before you entered military service.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX reported an incorrect balance. Has an account open that is closed and listed as collections. The account is paid in full. I have a close supporting documents, showing the original move out date from the acting landlord.
Product: Debt collection

I've been contacting loan servicing mom loans for almost a year now submitted documents they are for they said they didn't get them I fax them mail I know my mom had insurance on the house that if anything happen to her on my father that it would be paid off and these people are fighting me them loan is in my mom 's name and a half the money
Product: Credit reporting, credit repair services, or other personal consumer reports

During the time I was in the market for a personal loan, I found XXXX XXXX appealing because their website states that an application does not impact my credit report. 

On the FAQ section, at the very bottom, the website states that the following : Will my credit score be affected if I apply? 
When you apply for an XXXX XXXX loan, XXXX XXXX will pull your credit report in order to determine what lending products you may qualify for. This inquiry will not impact your FICO credit score. 

But I found out this weekend, that this is not true at all. In fact, I have XXXX hard inquiries on my credit report from this company on XX/XX/2021 and XX/XX/2021. When I found out about this I emailed XXXX XXXX and requested they remove the inquiries because their website is misleading. 
The company responded to my email, they would not address the discrepancy and simply refused to remove the inquiries. As I look at the company reviews today, several websites such as XXXX, XXXX XXXX XXXX XXXX also state the company does not do hard inquiries which further add insults to this situation because people are coming to same conclusion as me and its not right to be so deceitful. 

In fact, XXXX 's review on XXXX states that they will report payment history to the credit bureaus and that's not true as all, they only report negative payments not positive history. I called several times about this as well because my loans have never reported and I didn't find out until well after the loan was disbursed.
Product: Credit reporting or other personal consumer reports

I did not agree to send my invoice to anyone nor to collect anything from me
Product: Credit reporting or other personal consumer reports

SEVERAL HARD INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE.
Product: Checking or savings account

I am writing to file complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred Despite having sufficient funds when transactions were authorized. I was charged fees due 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 or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Prepaid card

Notice of US Bank Relia Card services provided by the Government of the XXXX XXXX XXXX for Excise Periods XXXX, XXXX, XXXX, and XXXX in-progress ; the selection requests directed to exempt property servicing personal checking eft-direct depositing banking construction E-Filed Agreement periods. 

The statement of complaint citation Identity Theft 18 U.S.C. Section 1028A, treasury sales promoter 's fraud on contracts, and the financial statement arrangement disclosures ; allocation name reportable, the descriptions, Excise Exempt Property 28 U.S.C. Section 791, 12 C.F.R. Part 360 reportable periods, Salaried Income Tax Refund XXXX transactions purpose means, depositing schedules, withdrawals, transfers between accounts, exchange of currencies, loans, extension of credits, purchases or sales of any stocks, bond securities, share certificates, or registered monetary instruments, or investment securities, or any other payments, transfers, or deliveries by, through, or to the financial institution ownership selected by whatever means. Notice of Creditor 15 U.S.C. Section 1635 Transaction Rescission Rights :
Product: Mortgage

Subject : Dispute of Unfair Late Fee Charged by Provident Funding I am filing this complaint to formally dispute a {$97.00} late fee charged to my mortgage account by Provident Funding. This fee resulted from a misunderstanding triggered by a notification from Provident Funding about an adjustment to my mortgage payment amount. Despite my long history of consistent and early payments, the company has refused to waive the fee, citing inflexible policies. 

What Happened : 1. Notification of Payment Adjustment : I received official communication from Provident Funding stating that my monthly mortgage payment would be adjusted to {$2800.00}. 
2. Proactive Payment Update : In response, I updated my automatic payment to {$2900.00}, as I normally overpay my mortgage and previously had been paying {$3000.00} per month. 
3. Accidental Timing Error : I mistakenly made this adjustment one month too early, causing my payment to be {$28.00} short of the amount due for that month.

4. Payment Rejection & Late Fee : Due to this minor shortfall, Provident Funding rejected my payment entirely, marking my account as unpaid and subsequently charging me a {$97.00} late fee.

Why This Fee Is Unfair & Should Be Investigated : Processes Designed to Maximize Fees : Provident Funding chose to reject my payment in full, rather than applying the amount received and notifying me of the small difference. Their policies appear structured to increase revenue through avoidable fees rather than assist customers with minor adjustments. 
Inflexibility Disguised as Consistency : The company justifies denying waivers under the claim that they must treat all customers the same, yet this reasoning is being used to justify anti-consumer practices that fail to account for individual circumstances. 
Failure to Consider Customer History : I have never missed a payment and consistently overpay my mortgage. A company with fair consumer policies would recognize this and provide reasonable accommodations for an honest mistake. 
Bank-Triggered Confusion : My adjustment was based on Provident Fundings own notification, not an intentional underpayment or financial inability to pay.

Resolution Sought : I believe this late fee should be waived due to the extenuating circumstances and my strong payment history. More importantly, I urge the CFPB to investigate Provident Fundings mortgage servicing policies, particularly their fee-driven payment rejection process and refusal to provide reasonable waivers or flexibility for responsible borrowers.

Their rigid policies do not align with fair consumer lending practices and seem designed to penalize customers for minor miscalculations rather than help them succeed as borrowers. I appreciate the CFPBs attention to this matter and its role in holding financial institutions accountable for such practices. 

Sincerely, XXXX XXXX
Product: Mortgage

SLS not providing any loss mitigation opportunity and investor not cooperating as well. I applied for loan modification with SLS after my mortgage servicing was transferred from XXXX XXXX. I applied for loan modification and submitted all the requested documentation. My point of contact there never answers my calls and it has been over 30 days since they send me letter that they are in receipt of my request for loan modification. I believe SLS and the investor are more interested in foreclosing on my home rather than trying to modify my loan payment to affordable payment. They kept sending me foreclosure notices during the period they were reviewing my file for modification. Someone needs to be held accountable and I hope my file lands on the right persons desk so he/she can see that I truly qualify for assistance based on my hardship and really tries to help within the boundaries of permitted loan modification. Agents the handle our calls keep giving us the run around. I don't think they want to help. I hope I am wrong. I don't know what else to do or whom else to ask for help.
Product: Checking or savings account

I have had Citi bank and have had no problems with them up until now on XX/XX/23 I made a deposit of {$4300.00} into my savings account via mobile check deposit. This check was from a XXXX which I have made multiple deposits from that same XXXX and the bank its associated with multiple times. Citi bank cleared my check on XX/XX/23 I went to the ATM pulled out {$290.00} ( plus a {$3.00} withdraw fee ) and then transferred {$300.00} into my other account through a different bank. A few ours later I went online to move money to my checking account which was - {$69.00} ( due to me losing my job and these funds were the only funds I have/had to make ends meet ) now to my surprise it would not let me log in online. I called and the customer support stated they had to transfer me to fraud, now the lady who answered the first phone call was very rude and told me I made a fake check and deposited it and they froze my account and going to close it since I attempted frauds and theyll send my funds to me in a check for in XXXX days! I told her what how was that a fake check its from XXXX XXXX from my XXXX, I told her I wanted to speak to a XXXX and then when I was transferred I was hung up on. I called back talked to another lady she called XXXX XXXX verified the check was legitimate and emailed the back office in an urgent email that the check was real and to in freeze my account. The next morning when I called I spoke to a lady and she said they are closing my account there is nothing I can do about it but wait for my funds and that they did this because my checking account was negative, I told her I had over {$4000.00} in my savings they could have asked me to move the money over to my checking account if it was going to cause all of these problems I told her I wanted to speak to someone higher she got me with a supervisor and he told me they will not release my funds and Ill have to wait when ever they can get to it to send my funds to me I told him Ive been told different answers on why they did this he said youll receive a letter I cant tell you why then I told him I wanted to speak to someone higher up and he began to say they are too busy and cant talk they will call back, I have not received any call backs from anyone and at this point they had no reason to freeze my account all I want is to have my money and they can have the {$69.00} to make the checking account {$0.00}.
Product: Credit reporting

Numerous of old collections have been removed & added back to my credit report without sending me a letter in writing stating why this keeps happening. This is really affecting my credit score tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian several documents asking them to remove these items because they were old accounts that were connect wit my Bk that has  discharged  and removed from my credit report 1. XXXX   XXXX  2.  XXXX   XXXX   XXXX   #  XXXX  3.  XXXX   XXXX   XXXX    #   XXXX  4.  XXXX   XXXX   XXXX   #  XXXX
Product: Credit reporting or other personal consumer reports

Open XX/XX/year> Balance : {$1400.00} Under the FDCPA, I am entitled to dispute the validity of this debt within 30 days. If you are unable to validate the debt, I request that you cease all collection activities and remove any negative information related to this debt from my credit report, as outlined under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have things on my credit report that is not correct and not mines. I have made a report. 
i sent in paperwork showing it was identity theft and no response or they tell me they never received the information
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information listed on my credit report for the account with XXXX XXXX ( Account Number : XXXX ). In accordance with 15 U.S. Code 1681i ( 5 ), I am requesting the immediate deletion or update of the incorrect credit data regarding this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are reporting late as reported in my 3 Credit bureaus. These accounts should not be showing the current status of 30 and 60 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on these accounts. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$530.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, hereby declare that the following information is identity theft and is fraudulent, as a result of Identity Theft, as a result of XXXX Data Attacks. The derogatory information reflected in my credit report maintained by XXXX under my Social Security number. As a victim of identity theft and the XXXX Data Breach ( Case No. 1:17-md-02800 ), I have been impacted by fraudulent account that must be removed from my credit file immediately. I have informed agencies many of times that the account below is fraudulent. 
XXXX XXXX / Accnt # XXXX / {$570.00} / Fraud Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX / {$2700.00} / Fraud Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  / Accnt # XXXX / {$8900.00} / Fraud Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX / {$390.00} / Fraud Date : XX/XX/XXXX XXXX XXXX XXXX / Accnt # XXXX / {$71.00} / Fraud Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX / {$300.00} / Fraud Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraud Date : XX/XX/XXXX Issue : Identity theft resulting in unauthorized creation and reporting of these accounts. 

Trans Union has routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts.