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

According to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ) Congress has determined that " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Experian is a reporting agency and I am the consumer, it is my right as a Consumer to ensure that my private information isn't shared. 
My right to protect my privacy is upheld by Congress under 15 USC 6801 which states clearly, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Experian does not have any written instructions from me nor do they have my expressed written consent to furnish my consumer report.

15 USC 1681C ( a ) ( 5 ) states that except as authorized under subsection ( b ), 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. Experian continues to report a bankruptcy on my credit report this bankruptcy is an adverse item which they continue to report without my permission and in spite of being receiving a letter from the clerk of court that states the court does not report to the credit reporting agencies which is against the law.

15 U.S. Code 1681 s-2 ( A ) ( 1 ) states clearly that " 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 '' 15 U.S. Code 1681 ( e ) ( a ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

There is a child support enforcement for over XXXX on my credit report. The state know 's I am not behind I have sent that court order to all three credit reporting agencies. This has not been remover. If look at the motions filed by the state. The court order from 2017 shows I am not behind.
Product: Credit reporting or other personal consumer reports

My Credit report shows XXXX addresses connected to my name that I've never lived at. The company that reported this address was a result of identity theft. I filed several disputes about this to the credit agencies, and they all say they will continue to report this because the creditor reported this as being my address. I've never lived in XXXX XXXX in my life, and the only place in XXXX  I've lived is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I need all inquiries on my credit that were placed within the last XXXX years REMOVED as my ssn was attached to several credit breaches And I need my XXXX XXXX XXXX loan status changed to PAID IN FULL, ON TIME and for the XXXX XXXX  " status on the account removed. I paid over XXXX on my capital XXXX loan on time, in full and XXXX. 

I also need the XXXX collections being reported on my credit REMOVED as they are also attached to accounts that don't belong to me, and that I've previously filed FTC identity theft reports about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion, XXXX  and XXXX  letters to validate the accuracy of four bankruptcies showing up on my credit report. They sent back responses saying that XXXX validated them. I then asked XXXX to verify this information and they responded that they do not report any bankruptcies with me. I also received letters from the two courts stating they did not provide any information to the third party or credit bureaus. I then sent this response to the credit bureaus and they still say they have validated it with XXXX and will not remove it. XXXX consumer # XXXX and Case # XXXX dated XX/XX/2020, shows there is not a bankruptcy on me. I have been going back and forth with the bureaus since XX/XX/2020.
Product: Prepaid card

I, XXXX XXXX XXXX, on XX/XX/year> a Monday, making this email submittal complaint to contact Bofa prepaid at XXXX, about the error codes XXXX when trying to make a XXXX XXXX with bank of america at XXXX ext XXXX. My account XXXX Card is blocked by the Error Code on the bank computer system of Bank of America prepaid emergency cash transfer from receiving/ sending they could not make a XXXX XXXXXXXX transfer in my name to pick up and access cash in my Bank of America account for consumer protection and enforce the compliance of the consumer agreement to pick up XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$880.00}, {$970.00} and XXXX.

I challenge the accuracy, compliance and reportability of these listings.

There are no contract, no valid claim ... accounts were settled with original creditors by insurance provider, and I have confirmed this with insurance ( XXXX XXXX XXXX XXXX ) ... grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt TWICE! It is unlawful.

Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint against XXXX and Lexis Nexis for failing to remove an inaccurate bankruptcy entry from my credit report, despite submitting an FTC report that clearly identifies the error. 

XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 605B ( 15 U.S.C. 1681c-2 ), a credit reporting agency must remove a bankruptcy filing from a consumer 's credit report if the bankruptcy information can not be verified or is not accurate. Both XXXX and Lexis Nexis have repeatedly verified the bankruptcy entry, despite my providing evidence, including an FTC report, that the bankruptcy should not be listed. Additionally, the court has confirmed it does not verify bankruptcy information directly with credit bureaus, further supporting my claim of inaccurate reporting. 

Despite my efforts, both agencies have refused to remove the inaccurate bankruptcy from my credit report. I am requesting that the CFPB intervene to ensure compliance with the law and rectify this ongoing issue. 

Thank you for your attention to this matter.
Product: Credit card

I tried to call Bank of American multiple times to find out when my No Interest offer ended. No one could tell me, and it was not listed on the statement. Finally, XXXX person said that the card was open XXXX  months ago so he assumed I had XXXX  months of no interest. On that day, which is also the due date of my card, I paid off my card. After paying off my card, I received a late fee and interest charge. The late fee was removed but the interest was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. As I checked my credit record, I just discovered a billing problem. U.S. Code 1666 defines billing errors as any mathematical or other accounting errors on a statement, as well as the creditor 's failure to appropriately record a statement, a payment received by the debtor, or a credit line extended to the debtor ( b ). I believe there shouldn't be any late payments on these accounts because the creditor did not send me a statement 21 days earlier. This is a list of the accounts that are under dispute : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1500.00}
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I have been leasing my XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX Minnesota. My lease was ending on XX/XX/XXXX. The lease was managed by US Bank. On XX/XX/XXXX, I went to XXXX XXXX to purchase the vehicle I have been leasing. The agreed upon vehicle purchase price after purchasing extended warranty was {$30000.00}. This was financed through XXXX XXXX XXXX. I put {$1000.00} down on this loan. XXXX XXXX agreed to pay off the US Bank loan. 

On XX/XX/XXXX, I received a notice from US Bank that I would be incurring a {$25.00} late fee for not paying my loan on time. I called XXXX XXXX and asked when they would be closing the US Bank loan and they responded saying it would be done in a few days. No exact date was given. When I received my US Bank statement on XX/XX/XXXX, I had incurred a {$25.00} late fee and the account was still open. I paid that month 's amount due of {$520.00} On XX/XX/XXXX, I looked to see if my account with US Bank was still open and it was with a payment due on XX/XX/XXXX. I paid the amount due ( {$520.00} ) and the last month 's late fee of {$25.00} to avoid additional late fees. I called XXXX XXXX again that day and asked for an update. They responded on XX/XX/XXXX stating that none of the documents had been submitted due to an office error and they were submitting them now. This did not seem like it would have been noticed had I not asked. 

It is currently XX/XX/XXXX and the US Bank account is still open. Another payment is due on XX/XX/XXXX. This was supposed to be closed before my due date on XX/XX/XXXX, and it is still open after multiple calls to XXXX XXXX.
Product: Debt collection

This company ( XXXX  XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$5200.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter via certified mail, company failed to comply according FCRA guidelines. Company failed to respond within 30 days.
Product: Mortgage

XXXX years ago on XXXX/XXXX/XXXX I suffered XXXX. Which resulted in a XXXX. Only to have XXXX of the XXXX fail and in XXXX XXXX I was having XXXX. Well I was recuperating from my XXXX, my husband suffered a non work related XXXX and was off work for XXXX months. He was on short term XXXX through his work. We fell behind in our mortgage payment. With medication cost increase to {$300.00} a month out of pockets XXXX copays increase to {$1500.00} each. We were not able to get caught up on our mortgage payments even with adding extra each month to the mortgage payments to try and get caught up. In XXXX XXXX Seterus refused to accept any further payments. We were given notice of foreclosure at which time we hired a law firm who said they could stop the foreclosure. In XXXX XXXX our Mortgage servicer Seterus offered a streamline modification, with the first payment starting XXXX XXXX That was sent to the law firm. We were not notified by the law firm of the streamline modification till XXXX XXXX. At which point we borrowed the money to make the mortgage payment by the end of XXXX and fired the law firm. Since then we have been working with the servicer Seterus on our own. We 've made the trial modification payments late due to the late notice and we have not been able to catch them up due to medical expenses. We have just received a permanent modification. Our modification does not seem like a modification. My monthly loan payments have increased by over {$100.00}. They added our back payments and interest to the end of our loan and extended it out to a 40 year loan. There was no reduction in interest rate or principal reduction. Modification in my vocabulary was meant to help us by reducing our monthly mortgage payment not increasing it. My husband is aged XXXX he has his own XXXX issues, and he would like to retire on XXXX XXXX XXXX. We have told them that there will be a income reduction when that happens so we need a modification that will take that into consideration also.
Product: Credit card or prepaid card

I am a XXXX and XXXX  in XXXX  California, I have a family of XXXX, I love this country. There has been an alarming issue arising with Citibank and XXXX XXXX XXXX over the recent months, according to congressional reports there appears to be a policy adopted by these corporate giants to restrict use of their financial services in the purchase of firearms. This discriminatory practice is alarming to me as a citizen of this counrtry and as a gun owner. To think that these banks, which were bailed out with our tax dollars, now seek to perform some sort of social engineering by infringing on our rights is disgusting. I know there are actions in Congress aimed at this phenomenon, I would just like to officially register my complaint that this audacious attempt by corporate giants to control citizens is outrageous.
Product: Checking or savings account

On or around XX/XX/2023, I filed an EFTA claim with Wells Fargo Bank in the amount of {$1600.00} against a merchant " XXXX XXXX '' On XX/XX/2023, I called Wells Fargo to inquire regarding the status of my fraud dispute and they told me that they denied my claim because the investigation revealed that I authorized this charge with XXXX XXXX  Please be advised that I provided a police report to Wells Fargo 's fraud department shortly after ( few days ) i filed my claim. I advised Wells Fargo and the police that I suspected my brother of stealing my passport, driver 's license and Wells Fargo debit card and made this unauthorized charge at XXXX XXXX. Thereafter, I called XXXX XXXX and explained to them what had transpired and they provided me with a few sheets of paper that my brother had filled out and signed. The handwriting and signature on this paperwork looks to be my brothers and appears to be a forgery of my signature. I'm asking Wells Fargo to please refund me my money as this is a lot of money and I desperately need it as the holidays are here. I did not authorize that charge at XXXX XXXX. Thank you in advance for your cooperation in this matter and your kind and prompt response.
Product: Mortgage

There was an Interest Rate Reduction Refinance Loan performed on a VA loan. However, the lender has not yet guaranteed the loan with the VA Department. Despite multiple attempts to resolve this issue, including five calls to the lender lasting two hours each across five different departments, and even with the VA Department on the line attempting to assist, the lender remains unaware of the necessary steps or claims they are unable to complete the guarantee
Product: Credit reporting or other personal consumer reports

On XXXX and XX/XX/2023. I have reached out to all major credit bureaus to show proof of my consent to furnish these accounts. After multiple attempts I have yet to hear something back. 




In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( secton 6 0 4 in section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructons. Under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purposes.
Product: Vehicle loan or lease

On XX/XX/XXXXXXXX  I submitted a payment to Capital One Auto Finance using a personal checking account for a payment due XXXX XXXX. 

I received a phone call today XX/XX/XXXXXXXX  stating that the payment was reversed and the payment is now 32 days late. 

The funds are still sitting in my account. Apparently Capital One failed to submit the payment because the bank where the funds are coming from has no evidence of any withdrawal attempts from Capital One Auto. 

I believe this is intentional.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greensky Financial Obtained a copy of my credit report on XX/XX/2019 without my permission. I did not authorize this company to obtain my credit report
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. estatus I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

On several occasions I've contacted Navient in order to discuss my account. Each time there seems to be a disconnect or some sort of deception. One instance I 's speak with someone and we will come to an agreement on the solutions to repayment then the next time I speak with someone they act as if they have no idea what I am talking about then it becomes a back and forth debate. I am certain there are notes for representatives to refer to because I used to work in a call center so I am familiar with the practices. On yesterday, XX/XX/2022, I called and spoke with someone and he proceed to quote me false/misleading information and when I told him the information was incorrect that is when he all of a sudden sees what I am talking about. Then when I asked to speak to a supervisor he put me on hold for an extensive amount of time and returned to the call himself. I then complained to him that I asked to speak with a supervisor, she then pops on the call suddenly as if she was listening to our conversation. I asked her had she been listening she then began to get defensive and irate. Then suddenly our call was disconnected with no return call. Very unprofessional. This is not the first time this has happened either. On XX/XX/2022 I received a call from a rep at Navient, he proceed to read off past due balance and account information and when I told him that was incorrect we somehow got disconnected again with no call back. Is this the new practice? I am also writing this complaint because the company does not offer any reasonable repayment options especially since we are in a time that we are recovering from all sorts of financial hardships. Any lower payment options allowed are interest only ( not going towards principle ) and temporary and only approved if put your bank account information for them to auto deduct. Insane!
Product: Money transfer, virtual currency, or money service

I am wrong to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims inadequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

My account was sold from XXXX  XXXX to LVNV FUNDING LLC. LVNV has garnished my wages twice. Once in the amount of {$70.00} and the second time in the amount of $ XXXX. Even though they have successfully garnished my wages twice, this account is still appearing on my credit report owing {$720.00}.
Product: Checking or savings account

On XX/XX/2023 I had money transferred from a savings account into my checking account at Chase Bank in the amount of XXXX and then withdrawn from my checking account for the same amount without my authorization via a debit card sent to a person in a different state that I don't reside in. This is is identity theft. He had a debit card sent to him under my account again without my authorization. I personally have this person 's email account, the address the card was delivered to and his email address. He also changed my contact phone number to his. I filed claims with Chase Bank and told I must have given out my PIN number to someone in Michigan, " REALLY '' ..Sent letters to Chase 's XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX. They ( Chase ) do not call me or email any correspondence. The associate in the bank I deal with calls it fraud. If that's the case why can't I get my money back?