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

I filed a dispute in regards to the incorrect information on my credit report, It has been well over 30 days and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX is reporting late for XXXX. Payment was made as well as they are offering me a XXXX. 
On my XXXX statement the late fee was waived due to an error. I would like this status corrected. XXXX, XXXX and Transunion need to be corrected immediately.
Product: Student loan

Ive been in contact with Mohela for over 60 days requesting my complete payment history prior to Mohela taking over as my loan servicer. They said it would take 30 days which is a very long time to begin with. Now over 60 days still getting a run around response that its still being processed. I need this payment history because I can no longer obtain it from my previous provider. Mohela states on their site they have this information and can provide it. 
Account XXXX
Product: Checking or savings account

On XX/XX/XXXX Huntington closed my account, said they wrote me a check for XXXX $ and send the balance XXXX $ to my XXXX  account. Unfortunately the XXXX $ sent to XXXX  was never credited to my account in XXXX. I need help with that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to TransUnion on XX/XX/2021 in regards to the inaccurate and misleading information being reported on my credit report and I havent heard anything back in regards to that dispute. Please help me with this.
Product: Credit reporting or other personal consumer reports

You These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached " XXXX XXXX XXXX XXXX  ) Last reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1600.00}. Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer do not grant. XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. by the Fair Credit Reporting Act XXXX  XXXX, XXXX, and XXXX have violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

I am not able to take advantage of the card services that AMEX is providing like Frequent Mileage Program, Dining Credit, and even using the card due to the COVI-19 Pandemic. 
AMEX charges us {$250.00} for these and similar services. I asked them to receive partial credit and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  ; accounts XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX XXXX, XXXX XXXXK # XXXX & XXXX XXXX # XXXX has violated my rights. 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 an account without my written instructions I have sent multiple letters and emails ; also called these lenders to resolve this issue, however, I was unsuccessful with reaching the correct head of department. By these accounts reporting false information on my credit report without my consent has caused lenders to refused applications ; which put my business and personal assets in a financial deficit. Please assist me with this issue by removing these accounts please. Thank you
Product: Mortgage

I hope this is my last complaint to Chase regarding my account. I was your customer from XXXX until XXXX until my loan got transferred to XXXX. I have a copy of all my credit reports from XXXX until today which is XX/XX/XXXX XXXX by law chase Was to report my active account to all 3 bureaus which are XXXX  , XXXX  and XXXX  . Chase failed to report to XXXX  and XXXX  for 10 years or more. on my XXXX  account for over 10 years Chase reported incorrect information. I would like Chase to review their own record and they will find out that what I am saying is 100 % correct.If I file a lawsuit again I will include my credit issue with evidence to the judge. for all the incorrect information the chase reported on my credit report all the inconvenient and the high interest rates I had to pay because of their negligence and not approving me for loan modification and putting me in financial hardship I am requesting the following to close this case and I can move on with my life during covid-19. I do not want to hear any more excuses responding to my letter. Also the lates that were reported against me or during the time that I was trying to get a loan modification plus my loan was transferred to the new mortgage company which is legally Chase did not have the right to report any latest but of course. I do not want a bogus letter Chase. I want you to do the right thing and fix the issue. If chase dose not fix the problem I will ask for damages of not reporting to XXXX XXXX and XXXX in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a few accounts on my credit report. Because they are not my accounts. and they have refused to take them off or said I have to go to court.
Product: Checking or savings account

On XX/XX/year> my bank account was compromised for {$10000.00}, from a fake XXXX making 4 transactions two for {$4000.00} and two for {$1000.00}! I immediately called XXXX first and they told there wasnt anything they could do because the payment was already completed! I then called my bank ( Navy Federal ) to report the fraudulent transactions! I called XXXX # and the representative I spoke with told me she seen exactly what happened too my account, she began to tell me that the name on the account was almost identical to mine the just changed the last letter in my first name! So i made the claim she stated i would receive my funds back within 10 days! Well i get a email stating nothing happened to my account, so i called again to speak with a fraud supervisor who told me that whoever compromised my account had been in it since XX/XX/year> just making small transactions and i would need to submit a claim for them also since i did not authorize any of them which i did even though he said since they had been so long ago they probably wouldnt repay those funds! I submitted the claim only for them to deny it! Ive submitted an appeal on my claim havent received anything! So here i am asking you all for help if you please could i work too hard for my money just to wake up and its gone one day!
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report on the date of that is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made me lose hope and trust within the banking system. I have been denied for credit cards and home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that your company ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, your company failed to be fair and respect my right to privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items where investigated fairly and properly. Also please provide me with the system and details your company uses to determine if transactions took place or not. Your company is in violation of several federal laws including the responsibility you have to protect my privacy. 
I am giving your company the opportunity to make this matter right by way of the following : REMOVE ACCOUNTS REMOVE STUDENT LOAN ACCOUNTS REMOVE LATE PAYMENTS REOVE INQUIRIES
Product: Vehicle loan or lease

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is XXXX XXXX balance {$2800.00} account # XXXX 30 days late in XX/XX/2021, XX/XX/2021, and XX/XX/2021.
Product: Credit card or prepaid card

XX/XX/2019 A payment attempt was made for the full amount of {$9200.00} instead of the minimum payment. This was my fault as it was the first time I used this card and usually when I get a new card I set up auto pay with min payment. This is how I have it set up for all 30 of my other cards and is why I have a PERFECT PAY HISTORY FOR 10 YEARS. 


In this case I somehow must have selected pay full instead. I discovered something was wrong XX/XX/2019 when I logged into the website for a routine check and noticed the payment had not been made. When I called customer support I was told that my account had been froze due to non payment. I explained the situation and how I made an error by selecting the entire balance and they said it was just routine since such a large charge was attempted. I was then transferred several times until finally I was told someone would have to call me back. 

XX/XX/2019 - XXXX I called back since nobody returned my call and notified them I was still not able to make a payment or access my account. THIS IS WHEN THEY DROPPED THE BIGGEST BOMB I HAVE EVER HEARD IN MY ENTIRE LIFE. The woman on the phone notified me that my account had been cancelled. I almost lost my mind since I have had a perfect payment history with everyone of my 30 open accounts as well as the 2 with them. I told them this  must be a mistake and to please check again. I was told to call back at the end of the day. 

XX/XX/2019 - XXXX I called back and re told my story and pleaded with the person on the line to please not cancel my account as it was more than just taking a XXXX hit on my debt utilization but we were also in escrow to buy our first home and this would devastate our credit as well as we would not qualify for our home loan. 


XX/XX/2019 I just today was sharing with a friend my concern and he shared CFPB with me. The most ridiculous part of all of this is that I still dont have an answer as to why they just closed my account after perfect payment history with them with no explanation???????????? 


Here are the 2 cards I have with them PenFed Platinum Rewards Visa Signature and XXXX limit not a single late PenFed Promise Visa XXXX limit not a single late
Product: Credit reporting 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am an expat who have been living abroad since 2012. My credit score has dropped from excellent to poor in the last 6 months ( while I have been living in XXXX ) due to identity theft. Someone has gotten 2 XXXX cards under my name, which has become delinquent, and applied for multiple other loans / credit cards, which resulted in " hard '' credit inquiries with the 3 agencies. 

Seeing that I am living overseas, I tried to file disputes on the fraudulent accounts / inquiries and place a security freeze through the websites of XXXX, Transunion, and XXXX, but I was unable to complete my request. The XXXX  site in particular keeps directing me to their PAID fraud protection services at {$19.00} / month. I suspect that these credit agencies deliberately make it difficult ( or almost impossible ) to place a freeze in order to promote their own products.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filed reports on all wrong documents but the time that its taking to fix their mistakes is causing my credit scores to drop daily. Ive worked very hard on the accomplishments that Ive made and their mistakes are causing me financial harm
Product: Credit card

1. Secured credit card scrutinized by higher-than-normal standardsThis secured card has been in use since 2008 ... which is more than 7 years! Moreover, I have had the secured funds from XXXX other banks ( XXXX, XXXX XXXX XXXX ) already returned. When I called, I was told that the account is reviewed annually. However, I have never received any notification of their findings. I phoned today ( XXXX XXXX ) to ask about their policy. My request to have it reviewed has bee forwarded on to the appropriate department. I could not be given a time expectancy for this review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : DEPT OF EDXXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My loan was Forgiven effective XX/XX/XXXX, I received the confirmation letter on XX/XX/XXXX. The letter states that the credit bureaus would be notified by the end of the month and my status updated. I followed up with XXXX in XXXX because I did not see a change on my credit report the next month and was told on the first initial to send the credit bureaus the letter I received and to dispute the item, but that they had reported on the XXXX of that month and I should see the change in XXXX, I did this and the credit report investigated and said that XXXX had confirmed that the account was still open and owed and did not remove it from my credit report. I contacted XXXX again and was subsequently told it takes XXXX days from the time the loan was forgiven to be removed from the credit report and that it should be reported at the end of XXXX and I should see an update to my credit score in early XXXX, when XXXX came and there was still no update to my credit report I contacted XXXX again and was subsequently told that it takes 90 days from the date of the letter for them to update my credit report and that since my letter was dated XX/XX/XXXX that XX/XX/XXXX would constitute 90 days and that after that If I had not seen a change to my credit report by the beginning of XXXX I could contact model and that is when they would have to take action. When XXXX rolled around and there was still no change in My credit report, I contacted XXXX again and this time was told that all the prior information I had received again was incorrect and that it takes XXXX business days for them to report the status to the credit bureaus. I have been given incorrect and false information every step of the way and it seems they keep changing the timeframe based on rules that I am not made privy to. However what I do know is that before my loan was forgiven it was reported accurately every month on the last day of the month like clockwork, yet for whatever reason now they are unable to report it for 4 months going on XXXX and according to their new calculation 6 months, which seems unnecessarily long to manufacture an update that has been confirmed with several letters and clear statement showing I have a XXXX balance. I am complaining about the lack of valid information I have received, the inability of the servicer to practice due diligence and the long timeframe that basically is negating everything having a loan paid off should do, because if they are not updating it with the credit bureaus it still looks like I am carrying that debt.
Product: Debt collection

I recently received A copy of my Credit Report from Experian Report # XXXX XXXX 'm not at all satisfied with the results which were not Verified by Experian. XXXX XXXX  Account # XXXX Date Opened XXXX, Original Amount {$1200.00} High Balance {$1600.00}, ( No Date of Last Activity ) Account Charged Off /Written Off /Past Due Updated XXXX XXXX Account # XXXX Credit Limit or Original Amount {$760.00} This Item was Updated as of XXXX As A Charge/Off. XXXX XXXX XXXX Account # XXXX ... XXXX Debt Buyer Original Amount {$740.00} This Item Was Updated as A Charge/Off XX/XX/XXXX, Date : Opened XXXX XXXX Account # XXXX ... .Status ( XX/XX/XXXX ) Account Charged/Off Updated in XXXX XXXX.According to The Fair Credit Reporting Act ( FCRA ) ,15 U.S.C.1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer reporting agencies. It was intended to shield consumers from the willful and /or negligent inclusion of ERRONEOUS data in their credit reports.CRA, s must maintain reasonable procedures to ensure The Maximum possible Accuracy of The Information Contained within a Consumers Report.
Product: Mortgage

This is a nightmare. I am in tears when i wake up cause i know she is going to present me with lies, XXXX  and unfairly lender practice. I am pushed me to XXXX. I dont care about the house anymore, waking it is sad cause I have to deal with the lenders bullying. I dont want to wake up or deal with this anymore. 

Nothing has been done fairly or legally. My lender does not ' talk to me she just drafts what she wants in the loan and we keep on and keep on changing it. not because of me but because she takes it on herself to set the loan up how she want. NO matter how many times I tell her not to. At that point I think she keeps doing this so I will not have a disclosure. and she will keep doing it until closing. I am suppose to close on XXXX and I have no idea what my loan paperwork looks like. I am IN THE XXXX. 

She changes my loan to different types of loans without asking me. On more than once keeps trying to get my to get a larger amount that what I want or need. Today I kept yelling I don't want a bigger loan. She just keeps bullying me. 

She has always told me she was applying for {$20000.00} grant then i say on the form she did {$25000.00}. said she didt know if she would get it or not so she didnt want to tell me. That is XXXX! I have been begging and begging for her to lock my interest rate. been 7 days I still do not see papers showing my rates have ever been locked. I can go on and on.
Product: Checking or savings account

I am writing to file a 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. 1 believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

Good afternoon. Wellsfargo negligence. 
My case is extreme! {$75000.00} was ( hacked ) withdrawn from XXXX seperate accts at same time. XXXX ) business XXXX ) myself and my daughters savings. Also charged up my business line of credit leaving me {$900.00} mo payment. Was not notified for 3 days. Wellsfargo says they are not responsible for transactions even if I DID NOT INITIATE THEM. ( See attached ) They refuse to return money, although they stated in WRITING that it will be returned IN XXXX DAYS, delaying my ability to take action. Then closed case. If you would like further information I have all the documents etc.

I may be forced to go bankrupt and needed a portion of the $ for my daughters medical expenses. getting my story out can help alot of people to avoid this pain. 99 % have no clue what rights they sign away. Thank you so much. How can banks avoid jury trials and how are statutes implemented to take our rights away. 
I will not stop!!!!!!! 
Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against TransUnion for failing to properiy investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently states the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX : {$1800.00}