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

I am formally disputing the reporting of a tradeline by XXXX XXXX XXXX on my credit report, which is inaccurate, misleading, and constitutes a violation of several federal consumer protection laws. 

XXXX XXXX XXXX has subjected me to what appears to be predatory lending, deceptive practices, and egregiously inflated interest accumulation. Over the past three years, I have paid {$20000.00} toward a loan that originated at approximately {$26000.00}. Yet today, my outstanding balance is {$21000.00} and the payoff amount is {$23000.00} as of XX/XX/year>. Upon reviewing XXXX statements, only {$4700.00} of my payments have gone toward the principal. The remainder has gone to excessive interest and fees in the amount of {$17000.00}. That is not only unethicalit is financially and emotionally devastating. 

This may constitute violations under : - The Fair Credit Reporting Act ( FCRA ) - The Truth in Lending Act ( TILA ) - Consumer Financial Protection Act ( UDAAP provisions )
Product: Credit reporting or other personal consumer reports

SUBJECT : NOTICE OF DISPUTE REGARDING ALLEGED LATE PAYMENT- XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXXXXX 

I Hope this letter finds you well. I am writing to formally dispute an alleged late payment on my account as referenced in the case of XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX ( XXXX XXXX ) AS part of resolving this dispute, I kindly request that you provide me with all relevant internal records verifying the timing of the payment in question specifically, i would like to review any documents, system log, timestamos, and transaction records that prove the date and time when the payment was received and processed by your institution. 

It is critical for me to verify whether the payment was indeed late as claimed. Providing these internal records will help clarify the situation and ensure that all matters are accurately accounted for. 

I look forward to your prompt response and resolution of this matter.please send the requested documents to the address listed above or via email @ XXXX Thank you for your immediate attention to this request sincerely XXXX XXXX
Product: Student loan

A representative is calling people who are barely acquaintances to me, including cousins I have n't spoken to in six years. There are at least three instances that I know of, and I 'm certian there are more. These people are being told that I LISTED THEM AS A REFERENCE, which is completely false, and being asked about my whereabouts. 

People I barely know are being contacted about my debt/credit problems, they 're being lied to, and my personal finance issues are being humiliatingly broadcast to virtual strangers. 

The name that the organization is giving to them is XXXX XXXX XXXX and XXXX XXXX XXXX, and the contact number is XXXX.
Product: Credit reporting or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Based on the information provided, it appears that there is an incorrect account with XXXX XXXX XXXX XXXX that is being reported on my credit report, and my dispute to have it removed has been unsuccessful. 

Even though the credit reporting agency admits the account is incorrect, this makes it a case of willful non-compliance. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. The credit reporting agency is required to investigate my dispute and provide me with the results within 30 days. If the investigation finds the information to be inaccurate, the credit reporting agency must correct or delete the information. This is supported by the case of XXXX XXXX XXXX XXXX XXXX XXXX, where the court held that the FCRA imposes a duty on credit reporting agencies to conduct a reasonable investigation upon receiving a consumer 's dispute. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) provides protections against abusive, deceptive, or unfair debt collection practices. If the XXXX XXXX XXXX XXXX account is being reported in an inaccurate or misleading way, this could be a violation of the FDCPA. The case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX established that the FDCPA applies to the activities of debt XXXX, which could include the reporting of debts by financial institutions. 

The Gramm-Leach-Bliley Act ( GLBA ) also requires financial institutions, including XXXX XXXX XXXX XXXX  , to protect the privacy and security of my personal financial information. If the institution has failed to properly safeguard my information or has disclosed it without my consent, this could be a violation of the GLBA. The case of FTC XXXX XXXX XXXX XXXX demonstrated that the GLBA imposes data security requirements on financial institutions, and a failure to comply can lead to enforcement actions. 

Being as though this is not the first attempt to fix this problem, the credit reporting agency no longer has 30 days to respond, but they have to delete in 10 business days or less
Product: Credit card

XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Unauthorized Access to My Credit Report Re : Violation of 15 U.S.C. 1681b - Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute the unauthorized furnishing and/or access of my consumer credit report, as protected under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b.

According to this federal law, a consumer reporting agency may only furnish a consumer report under certain permissible purposes, and in many cases, only with the consumer 's written authorization. I hereby state that I did not provide written consent or authorization to any individual, company, or third party to obtain or access my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several calls were placed to XXXX, Equifax, and XXXX Consumer Solutions reporting agencies on XXXX XXXX and XXXX XXXX to inform them that these names addresses phone numbers and employers are inaccurate which have been reported without my consent nor to my knowledge.
Product: Checking or savings account

On XX/XX/XXXX I electronically deposited checks with USAA. XXXX were from XXXX XXXX XXXX, check number G XXXX and G XXXX, for my monthly XXXX income. The system accepted all checks. Today, XX/XX/XXXX upon pulling up my accounts noticed the check ending in XXXX has been deducted as a correction. I spoke with XXXX first at USAA who said it was their error and to redeposit the check online. I attempted to do so but, USAAs system said it was a duplicate. I called USAA back and XXXX said he could not help. I asked for a managed and was transferred to XXXX. XXXX said it was USAAs fault but no one could correct the issue. I asked for a XXXX. XXXX said managers dont talk on the phone and Id have to mail the check. I recently experienced major personal disruption due to the flood at XXXX XXXX on XX/XX/XXXX. I do not have any deposit slips. The check has already been endorsed to USAA. This is a type of customer fraud. Did USAA use any customer monies for loans where customer funds are used but uncollected? It is also a grave tarnish of USAAs history as a great company. Further this has to violate federal law governing banks handling of customer accounts as a fiduciary. Thank you
Product: Credit reporting or other personal consumer reports

I presented All 3 credit Reports to the CEO of XXXX, XXXX, and Transunion detailing all inaccuracies in detail with the derogatory and wrong information circled and specified in full disclosure circled each item, date, and inaccurate account. There were over 99 errors between my 3 reports alone, I sent all the appropriate codes to support my claim in affidavit form, I have not heard or received any Remedy, but I am being retaliated against by the Creditors and the Credit Bureaus. One of my accounts was closed for exercise my Federal rights. I ask that you as the number one credit agency come in and bring closure to this situation through a thorough investigation and have all information updated for accuracy across all 3 bureaus and negative information removed per the CFRA. And I am also requesting a updated copy of my report ( s ) once investigation is finalized?
Product: Student loan

Navient refused to negotiate a lower monthly payment with my daughter, XXXX. 
I am the cosigner on this loan. Navient 's reply stated that I made too much money for them to lower her student loan payment. I am a XXXX nearing retirement. I am current on all MY Navient parent loans.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Transunion is reporting an incorrect status, the account that appears in my credit must be deleted immediately, since this information is not correct. It is an account that according to XXXX XXXX  agreement would be removed from my credit. I attached evidence and according to the law it must be removed in a period of no more than 30 days. Thank you very much and I hope that the company fixes this serious error as soon as possible.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to file a formal complaint against Bank of America regarding an issue with a XXXX transfer XXXX We both use Bank of America 's XXXX to send each other money. Bank of America 's XXXX sent confirmation text but the fund never deposited. The details of the complaint are as follows : 1. **Transaction Details** : - On XX/XX/XXXX, a XXXX transfer was initiated from XXXX XXXX XXXX Bank of America Account to XXXX XXXX XXXX Bank of America Account for {$1500.00}, which was successful. 
- On XX/XX/XXXX, a XXXX transfer was initiated from XXXX XXXX XXXX Bank of America Account to XXXX XXXX 's Bank of America Account for {$1500.00}. Although the funds were deducted from XXXX XXXX XXXX Bank account, the money was not received by XXXX XXXX. The text message from Bank of America shows it was sent on Thu, XX/XX/XXXX at XXXXXXXX XXXX : " BofA : XXXX XXXX sent you {$1500.00}, '' so it is evident that the money should have come back to my account, but I do not have the funds in my account. 

2. **Issue Description** : I initiated a XXXX transfer on the date mentioned above, as confirmed by the XXXX confirmation text. However, the funds were never deposited into my bank account, and the XXXX transfer shows reconciled not cleared, also there was no notice of any time limitation or dispute timeframe provided during the initiation of the transfer. 

3. **Contact with Bank of America** XXXX - Visited XXXXXXXX XXXX XXXX BoA Branch on XX/XX/XXXX. I was redirected to call XXXX. However the customer service said the sender, XXXX XXXX has to call them not me. 
- XXXX contacted Bank of America 's customer service to report the issue and request assistance on XX/XX/XXXX. A case number was filed. XXXX - XXXX informed me on XX/XX/XXXX, BoA is unable to approve the claim because the date of your dispute in the amount of {$1500.00} fell ouside the dispute timeframe. 
- I, XXXX XXXX visited Bank of America branch in XXXX XXXX and filed XXXX, And Bank of America responded by stating that the dispute fell outside of their dispute timeframes, which I believe is an unfair resolution considering that the funds were never received. 

4. **Evidence** : - XXXX Confirmation Text - XXXX  conf XXXX XXXX ; ( XXXX to XXXX ) - XXXX conf XXXX XXXX ( XXXX XXXX  XXXX ) 5. **Desired Resolution** : I am seeking a full investigation into this matter and request that Bank of America locate and credit the {$1500.00} to my account as initially intended. Additionally, I would appreciate clarification on any time limitations for XXXX disputes and more transparency in the dispute process for customers in the future. 

I would like to request the CFPB 's assistance in resolving this matter and ensuring that I receive the funds I am rightfully owed. 

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

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

I was informed by my salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.
Product: Payday loan, title loan, personal loan, or advance loan

My loan was paid in full on XXXXXXXX XXXX  as it reflects on my XXXX report. 2 weeks after I paid, the payment dissappeard with out explanation. The they go on to making any other payments impossible to make because the blocked my only account to pay them.. not right at all. They were paid the full amount. Just check out transactions for XX/XX/XXXX on XXXX profile or I can provide the screenshots as I did with XXXX dispute but they did not change outcome even with clear proof
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX Account # XXXX XXXX U.S.C 1681 Section 602A. State I have the rights to privacy.

15 U.S.C 1682 Section 604A 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not have communication with the consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my account as agreed but the company keeps reporting an inaccurate information on my account, they marked it as late payments. On XX/XX/2020 I wrote to the credit bureaus and requested information about an account they are reporting on my credit report but they never responded. I advised them that if they failed to respond and/or comply with the law, then they would be subject to fines and damages, per the FCRA.
Product: Debt collection

Pprtfolio recovery calls several times a day and late at times. I have asked them to stop calli ng ne and to  instead swnd me documentation proving that this is indeed my account. I have asked them to send some detailed statements as this is not my debt and they refuse and instead resort to calling over and over to intimidate. I have had to block their calls and still have n't receiv ed ANY detailed bills or proof this debt is mine. I would need more than 1 bill to get an idea as to who ' s debt this is as it could be ifenity theft. This company is abusive with their calls and behavior.
Product: Mortgage

I as many other homeowners struggle with making my mortgage payments. I happened to have to file for bankruptcy protection a few months before COVID hit.

I have applied twice now for a modification and Caliber keeps marking the modification as incomplete and closes out the file.

I have submitted my application for a third time with Caliber and hopefully they will actually modify my mortgage.
Product: Credit card

I have a huge problem with my Citibank payment. My FICO score dropped over XXXX points due to " miss payment '', which, is totally not my fault. First of all, I set up automatic payment for my account at the very beginning. Second, I have been having difficulty logging into my Citi account on my mobile app, as well as online. So when I tried to check and pay my monthly bill, I simply had no way to access anything. Plus, Citi closed all its branches in Pennsylvania, and this is where I live, so I can not go to any local offices to solve my problem, but to call their hot line. Third, after I got through the hot line, the representative said that the reason why I could not log in to my account is they sent me another debit card before without letting me know, and, I do not understand why they sent me a new card. Anyway, I did not receive the new card, so I have been unable to log in to my account. This led me to miss my payment, and they blamed it on me. The week before last week, I tried to pay my bill over the phone by giving my authorization ( last XXXX digit of my checking account ) to the representative to take money from my auto payment checking account. And I was confirmed that the payment was successful, so I guess they have my correct payment information. But today when I called Citi again after I found out I lost over XXXX FICO score because of the " miss payment '' ( absolutely not my fault ), the explanation they gave me was the auto payment did not go through. I found this extremely unacceptable, because they used the same payment account to pay my bill the week before, and it went through. But, they refused to cancel the report of my miss payment to the credit union. I have been trying to solve the problem for almost three months, but I still can not login to my Citibank account, I still can not make any payments on my own, and, because of which, I lost over XXXX FICO scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to ask all credit bureaus to please remove all negative items from my credit report. Because my info was exposed in the three billion people data breach that accured. And under FCRA LAWS I want everything removed ASAP.
Product: Credit reporting or other personal consumer reports

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Product: Credit reporting or other personal consumer reports

Im a victim of the data breach and would like for the mentioned accounts to be removed
Product: Debt collection

In XX/XX/XXXX, my private loan held with XXXX XXXX XXXX was passed off to a debt collection agency due to me not being able to afford the expensive amount XXXX XXXX XXXX wanted all at once. 
In XXXX XXXX, I joined with a company by the name of XXXX XXXX XXXX and I was under the impression that my loan was receiving the XXXX that I was paying them a month. 
XXXX XXXX XXXX turned out to be a scan as well. 
I then reached out to XXXX XXXX XXXX and they made me aware that my loan was now in the hands of Patenaude and Felix. 
Patenaude and Felix is the company in which I would file this complaint with ; I was in communication with them before they were ever in communication with me in regards to my loan. I began talking with them XX/XX/XXXX consistently trying to negotiate an amount that would be affordable for me to pay every month. I originally thought XXXX would be affordable but after discussing with my husband what amount would be best every month, we discovered that XXXX per month is too much. I spoke with Patenaude and Felix making them aware of this and they have been very adamant that I MUST pay XXXX per month, Meanwhile, I have been concerned about the derogatory marks on the credit reports of my grandparents ( my co signers ) and have been trying to find out what to do and where to go. XXXX XXXX XXXX advised me that the attorneys and XXXX XXXX are the people to discuss payment options as well as credit reporting and all to find out that XXXX is XXXX XXXX XXXX and when I call them, they tell me that they are unable to help me. 
I am aware that this debt NEEDS to be paid and I want to pay it but I CAN NOT afford XXXX per month. I was told that I could make " good faith '' payments toward the amount owed, but it would not be reflected on the credit reports of my grandparents not myself. I was also told by either XXXX XXXX XXXX on Patenaude and Felix that my wages could be garnished as a result of not paying my debt. However, I am NOT ignoring my debt! I just cant afford the amount that is being dictated to me.
Product: Prepaid card

Claim # XXXX XXXX was fraudulently stolen from my account. I trusted the bank to return my money and follow up yet they continue to deny my claims and their reasoning is either I authorized it or gave permission to someone to use my account. Ive sent a police report that disputes that argument % XXXX. I wasnt in the state of California when these transactions took place and I sent proof multiple documents plus my picture ID from another state to be compared to any footage. I am sending a demand letter for them to resolve this without legal council but if they continue to lie and keep my money from me then I will seek help of the federal courts! Ive done everything on my behalf to prove that my money was stolen from my account. This is unjust and unlawful and the bank knows it. Theyre abusing their power and trying to take advantage of the everyday people who use their banking system. I refuse to remain a victim!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX never provided a resolution or goodwill. 
My credit report is still affected as well as my Insurance Score. 
This adverse action has reduced my insurance score which is impacting a higher insurance rate. 
The Bank claims the issue has been resolved but refuses to contact the credit agencys to update the information. 
This bank reported to the credit agencys twice in error. 
The first time the late payment was disputed the bank falsified a record stating that I was late and I had to write letters and exhaustively contact this bank without any help. If this bank refuses to provide a reasonable goodwill I will be filing a lawsuit for violating the fair credit reporting act as well as negligence and failure to respond.
Product: Debt collection

On XX/XX/XXXX I received 3 calls and 3 voicemails from XXXX XXXX whom states she is a process server in State of Texas and I have 2 charges filed against me. My daughters boyfriend received a call from a different number XXXX XXXX XXXX at his private business, XXXX XXXX who also stated she was a process server. She also called my Son last week as well and left same scripted voicemail. She states to contact a company called XXXX XXXX at XXXX. I called them to try and get more information, they stated it was a Moneymart payday loan from XX/XX/XXXX. I told them I filed Chap XXXX Bk in XX/XX/XXXX and it was discharged, they then stated payday loans do not get discharged and she said " good luck with that '' then hung up on me. I called back to get as much information as I could which was not ever presented clearly, I asked where they were located and she would not give me that information or any information about process server. I informed her that bankruptcy was filed and she said that collection would proceed, I could take this up in court or judgment would be placed against me on a debt over 7 years old. They were very argumentative and told me " you can take this up in court ''