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

Metro 2 Compliance Standards. This is my third attempt to solve this matter the 4 Main credit bureaus work for me and I want the two late payments reversed to ok, due to willful non-compliance you must meet compliance standards. Under the CONSUMER CREDIT PROTECTION ACT AND THE EQUAL OPPORTUNITY ACT U MUST MAKE THE CHANGES UNDER MY REQUEST, I NEVER WAS EXPLAINED IN EASY TO UNDERSTAND TERMS ON MY RIGHTS AND THE PROPER DISCLOSURES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a inquire on my credit report I have no knowledge of and trying to get it removed but the creditor is not trying to remove it I tried reporting it as fraud but still nothinf
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, XXXX consistently responds within 24 hours stating 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, XXXXXXXX XXXX  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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.
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 lagging 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

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The address, names, and date of births are incorrect on my credit report. They are either old addresses, or fraudulent accounts. Under 15 US code 1681 e ( b ) and 15 US code 1681i ( 5 ) this account is in violation not reporting XXXX XXXX accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advise that XXXX XXXX XXXX has agree to remove Account # XXXX from my credit file, please process this request as soon as possible, I'm sending the original CFPB complaint and their responses as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : XXXX is furnishing inaccurate negative information to the credit reporting agencies in violation of the FCRA. On XX/XX/XXXX, I pulled my credit report in connection with applying for a mortgage. My credit report indicated a collection from XXXX for a debt with an alleged date of first delinquency of XX/XX/XXXX that was assigned to XXXX from XXXX XXXX XXXX on XX/XX/XXXX. This debt is not valid. I do not owe this debt and it is being reported illegally. I fully complied with my lease with XXXX XXXX  and left my rental apartment in the same condition that I received it, per the terms of my leasing agreement. I did not owe any outstanding balance when my lease ended and I vacated the apartment. When I received a cleaning bill from XXXX XXXX, I contacted the management company ( XXXX  ), as well as its Attorney, XXXX XXXX. I sent several emails attaching photographs of the apartment as I had left it and asking for evidence that the apartment required a cleaning fee for anything beyond normal wear and tear. XXXX XXXX  provided no evidence to justify its bill despite our requests. My wife, an attorney, also left two voice mails for Mr. XXXX, as noted in the attached email chain. 

Since XX/XX/XXXX until XX/XX/XXXX, I heard nothing from XXXX XXXX XXXX or XXXX. I never received a debt validation notice despite the fact that my wife and I have had the same phone numbers and emails since XXXX. 

As a result of XXXX inaccurate furnishing and other FCRA violations, I am suffering monetarily and emotionally. I am currently trying to get a mortgage and have been advised by my bank that this collection is negatively impacting my credit and resulting in a significantly higher interest rate. I need this invalid collection to be deleted from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and someone use my information to opened number of account 's in my name it's causing me too much stress with my wife XXXX, XXXX. 
Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated - Credit Limit - Past Due Amount {$1500.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXXXXXX, XXXX, IL XXXX Ownership Individual Original Creditor XXXX XXXX XXXX Company Sold-to - Original Amount {$1500.00} Comments - DISPUTE GUIDEPRINT XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$180.00} Balance Updated - Credit Limit - Past Due Amount {$180.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$180.00} XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$900.00} Balance Updated - Credit Limit - Past Due Amount {$900.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$900.00} Comments -
Product: Credit reporting or other personal consumer reports

My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

An account was opened in XX/XX/year> for the amount of {$760.00}, of which I have no knowledge. I did not authorize or initiate this account, and its presence on my credit report is inaccurate. I am formally disputing this matter and requesting an immediate investigation, as this erroneous reporting is negatively impacting my credit profile.
Product: Credit card or prepaid card

We purchased a {$500.00} American Express Serve Prepaid card. I have included the image of the card as it was taken from it's packaging. As shown, the card front is defaced in a seemingly fraudulent way. The front facing account numbers have been covered or removed with an all white paint or remover. I can not use the card online without the 4 security numbers listed on the front. I can check the balance which is still there, however I can not use the card. 

I contacted Serve 9 times, escalated the call successfully 6 of those times and was told the following solutions. 

I was offered to have the card replaced for a {$20.00} dollar mailing fee or wait 10 days for the money I need to prepare for Covid19 Shelter in place. This is highly unusual for this esteemed company, I find the problem lies in the call center. No one will listen to the problem, they want to deflect. 

I was then told that I would not be able to have a card sent to me because it was not registered. I was advised by a supervisor to register my card which I had already explained, can not be registered without a security number ( that which is defaced on this card ). 

I was told that the vendor is responsible, however, the card came in. a sealed package from XXXX in XXXX. I am stuck without fund and ServeAmex has my fund and will not reissue a card. 

Please help me.
Product: Mortgage

On XX/XX/2019 my mom, XXXX XXXX, ( I have her power of attorney ) made her last mortgage payment to diTech on line and it has posted. On Saturday, XX/XX/2019 she received a letter saying that her last payment was short {$74.00}, which was very confusing to all of us ( it is due by XX/XX/XXXX!! ). She called them today ( XX/XX/2019 ) and was told that this was a fee to release her account. 

My mom is XXXX years old, ill and on a very fixed income. She feels like she may be getting scammed or taken advantage of because she was completely unaware of any fees to close her account as she has been paying on time faithfully for the length of the loan. It seems if any " fee '' is incurred for them to send her her paperwork it should be no more than the cost of a postage stamp. 

She is very stressed over this because she feels like if it is fraud, her bank account info will be in the wrong hands, but if it IS legit she is not going to have the payment in on time. She seems to be in a no win situation at this time. 

Any help you could provide for her would be greatly appreciated. Please feel free to contact me at anytime via cell # XXXX. 

Regards, XXXX XXXX POA documents available if necessary
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 1681 Section 604 and Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under a open end consumer credit plan as a late for any reasons.
Product: Credit reporting or other personal consumer reports

Transunion is reporting XXXX accounts not mine that are on my credit file, this is unprofessional after myself as a consumer have asked for proof anything showing how or why this is on my credit file still have not complied.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have discovered items that I do not recognize or applied for. Upon further investigation, I realized my personal information was exposed in serval data breaches as well. I have no recollection of applying for any of the accounts in question. Pre section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days. 


These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am making a complaint against the three Consumer Credit Reporting Companies Equifax, XXXX, XXXX XXXX XXXX for credit reporting description and for reporting my credit report low because I am a XXXX XXXX American Female and a XXXX. I have all exceptional payment history and my credit score never increased. I paid my bills in a timely manner and was limit in the amount of credit I could borrow at under {$100000.00} when {$64000.00} of the credit is deferred student loans. I went through a job and needed to obtain a loan and my credit was continuously score low for ( 3 ) years and credit limit lack or ( XXXX ) so that when I got in a financial pinch I would be able to obtain any credit. I wont my credit score increased to its place. ( In the XXXX ) If I was a XXXX XXXX based on my exceptional payment history on multiple accounts my credit score would have been much higher at least in the XXXX. This is abuse of Credit Reporting for the Free Market and I want my credit score fixed by all three reporting agencies or I may sue them for abuse and XXXX XXXX against XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXXXXXX XXXX XXXXXXXX. XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Product: Student loan

Dear U.S. Department of Education and MOHELA, I am writing to formally address a significant issue regarding the incorrect Public Service Loan Forgiveness ( PSLF ) payment count reflected in my account. As of XX/XX/year>, the statement attached to this message shows that I had XXXX qualifying PSLF payments. However, as of today, my PSLF payment count is showing only XXXX qualifying payments. 

Given that I earn XXXX qualifying payment each month, this discrepancy is concerning. Based on my payment history, I should have exceeded XXXX qualifying payments by now, yet my account shows only XXXX as of today. This indicates that the payment count is not being updated accurately and does not reflect my true progress toward loan forgiveness under the PSLF program.

This issue is of great importance to me as I have made timely payments under the correct repayment plan and have been dedicated to fulfilling the necessary criteria to achieve forgiveness. I rely on the accurate tracking of these payments to ensure that my loans are forgiven in a timely manner. I am requesting an immediate review and correction of my PSLF payment count, as well as a full explanation of how this discrepancy occurred and the steps that will be taken to correct it. 

I would appreciate it if you could expedite this process, as this delay in accurate payment tracking is causing unnecessary confusion and stress. Please confirm the receipt of this complaint and provide me with a timeline for when I can expect the issue to be resolved. 

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

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

The account listed was cancelled and rescinded because of fraud on the loan. Notice was sent to the Bank and Dealer.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$3700.00}
Product: Credit card

Hello, I have a Capital One credit card with a measly {$300.00} credit limit. My account has always remained in good standing ; therefore I requested an additional card for my nephew. He was charging excessively, and as he charged I was paying off the balance and informed him I was locking his card. He attempted to make a {$19.00} payment on XX/XX/XXXX to the balance using his XXXX card. The payment did not go through, apparently Capital one detected something suspicious. I had to verify numerous times with different customer service reps at Capital One the payments that were made during the end of XXXX and beginning of XXXX. My account was verified successfully ( whereas I'm the actual account holder ). I sent them all required documentation. When I sent over the account information re my nephews info, the account number did not match his chime card. I was on the phone with a capital one rep and called my nephew on a XXXX way call and the rep claimed she could not hear him. When I tried XXXX way call with several other people they had no problem hearing me. I asked to have my account closed without any negative connotation attached to the closing because I have no idea what is going on. Capital one continues to ask for the statement attached to my nephew 's card which I sent them. The info they are requesting is an issue where capital one, chime company, my nephew and I need to be on the phone. I was told I could not call capital one 's verification department directly they can only call me. I have been waiting for several days for someone to call me regarding this. I'm beginning to think there's something fraudulently going on here and I have sent too much banking information to capital one for a credit card with a {$300.00} limit. Furthermore, I don't understand why they can not close the account, because at this point in time I myself have no idea what is going on and absolutely not getting any communication from capital one. I have the same message on my account, " This account is currently restricted '' as if I'm some kind of criminal or engaged in criminal activity.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its illegal obligation under the Fir Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.

These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

SEE ATTACHMENTS AND ON EXPERIAN CREDIT REPORT PAGE 17 SHOWS MY BANKRUPTCY ACCOUNT.
Product: Payday loan, title loan, or personal loan

Hi, I am on my   XXXX   loan from Big Picture Loans and I looked at the amount of the payback and I am dumbfounded. I did not realize how much it would be. I know that trying to stop the money from coming from account will not help and I would like the offer paying the loan back without the extremely high interest rate. I only borrowed  XXXX  and they will collect  over 3400 afte r this loan is paid off and that is alarming to me. I can not believe this is happening. This is predatory to hardworking people that are struggling to make ends meet.
Product: Credit card or prepaid card

Capital One is charging 30.24 % interest. This is the third increase in one year. I called the company and requested a lower interest rate. They declined. My account is current and I have made all payments on time. I have a good credit score. 

Why is >30 % even legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are fraudulent and I need them reomoved. I will attach my Identification card, Social Security Card, and Identity Theft Affidavit
Product: Credit card or prepaid card

someone opened up a credit card in my name and used it
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently received the results of the investigation into the inaccuracies on my credit report, conducted by your agency. Despite my previous disputes and the legal obligation under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws to ensure accurate and timely reporting, your agency has failed to acknowledge the inaccuracies present in my credit report. 

Your refusal to correct these inaccuracies has resulted in significant damage to my financial reputation, causing me substantial emotional distress and financial harm. I want to make it explicitly clear that I am not willing to tolerate these injustices any longer. 

I am left with no choice but to pursue legal action against your agency for the damages caused to my reputation. This letter serves as formal notice of my intent to sue under the provisions of the FCRA ( 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) ), and any other applicable federal laws. I believe your agencys actions are not only in violation of the FCRA but also constitute a willful disregard for my rights as a consumer. 

I demand that your agency rectify the inaccuracies on my credit report immediately and provide me with written confirmation of the corrections made. Additionally, I expect your agency to compensate me for the damages incurred due to your inaccurate reporting, including but not limited to, loss of credit opportunities, emotional distress, and legal fees associated with this matter. 

I am giving your agency a final opportunity to rectify this situation without litigation. I expect a response within 15 days from the date of this letter, confirming the correction of the inaccuracies and outlining the steps taken to prevent such errors in the future. Failure to respond within the specified timeframe will leave me with no alternative but to pursue legal action without further notice. 

Please consider this matter seriously, as the consequences of your agencys actions have had a severe impact on my life. I look forward to a swift resolution to this matter.