23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Approximately back in XXXX I was XXXX. I opened a bank account with well Fargo. Checking and savings. After about a year and obtaining a credit card, I noticed I had another account tied to my online account and the address was from Arizona! I brought this to the attention of the bank and they froze my account! I filled out the paperwork for identify theft sent my social and all paperwork needed. And they still did not resolve the issue. It 's XXXX and watching everything that 's been on the news lately I 'm glad this has been brought to light! They still have my money and had to have my credit card account frozen and could not pay it!
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate credit reporting by XXXX XXXX XXXX XXXX ( XXXX ). XXXX has incorrectly reported late payments for XX/XX/XXXX and XX/XX/XXXX on my credit report. 
XXXX. XX/XX/XXXX Late Payment : I have obtained my XX/XX/XXXX bank statement, which clearly shows that my payment was made on time. Despite providing this proof, XXXX has refused to correct the late payment report. 
XXXX. XX/XX/XXXX Late Payment : I am currently unable to retrieve my XX/XX/XXXX statement from XXXX website, but I believe this late payment is also inaccurate. I have requested access to this statement from XXXX but have been unable to obtain it. 

I previously disputed these inaccuracies with the credit bureaus, and instead of conducting a proper investigation, XXXX attempted to alter the reported dates, which is reflected on multiple versions of my credit reports. This raises serious concerns about NFCUs compliance with the Fair Credit Reporting Act ( FCRA ) and its obligation to ensure accurate reporting and conduct a good-faith investigation when disputes are submitted. 

I have contacted XXXX directly to resolve this issue, but they have refused to remove the inaccurate late payments. These errors have negatively impacted my credit score and ability to obtain favorable credit terms.
Product: Student loan

In XX/XX/2020, after completing my annual re-certification for my income-driven re-payment plan, I received notice my payment amount was increasing by over {$200.00} to {$540.00}, despite a minimal-moderate increase in annual income. I called Fed Loan Servicing ( XXXX. XXXX XXXX XXXX, PA XXXX ) and spoke with a female employee who informed me that if I re-applied for a different income-driven plan, the ICR, my payment amount would only increase by approximately {$100.00}. So I did this. Today I received notification that on the ICR repayment plan my monthly payment is {$870.00} instead of the previously quoted {$440.00}. 

I called Fed Loan Servicing and spoke with a male employee who researched the huge discrepancy for me. He was able to determine that the employee in XXXX miscalculated the payment amounts and that in order to have a lower payment amount, I would have to re-apply AGAIN for a different repayment plan. They were unable to provide further assistance or make this change themselves, even though it was their error. 

I have submitted a new application and will also be researching private loan options. My issue with Fed Loan Servicing is that EVERY year I have to call them due to their errors. They give me mis-information often and no employee is consistent in providing assistance. I have experienced paperwork and calculation errors with them since the inception of my loan.
Product: Bank account or service

I bought a prepaid XXXX card from XXXX. The card is from NETSPEND Corp in XXXX, TX. I put {$500.00} on the card and forgot about fees. I tried to make a purchase for {$500.00} XXXX XXXX, 2015 and the card was declined to the Merchant ( XXXX XXXX in California ) so they cancelled the order. NetSpend has put a hold on the {$500.00} and wont release it to me despite numerous calls to them. I had to use a different card to purchase the product. Netspend says I have to have the merchand send them something stating the order was cancelled. The merchant says " When I cancelled that order it went into cyber space .... '' how do I get NetSpend to release the money??
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Equifax, XXXX XX/XX/XXXX Equifax, XXXX XX/XX/XXXX XXXX, XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Equifax, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Equifax 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the following account : Account Details : Account Name : XXXX  XXXX Account Number : XXXX High Balance : XXXX XXXX {$660.00}, XXXX : {$660.00}, Equifax XXXX {$500.00} Date of Last Verified : XXXX : XX/XX/XXXXXXXX  Date of Last Activity : XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX Date Reported : XXXX XXXX XX/XX/XXXX, Equifax XXXX XX/XX/XXXXXXXX  Date Opened : XXXX XXXX XX/XX/XXXX, XXXX/Equifax : XX/XX/XXXX XXXX Owed : {$0.00} Account Status : Closed Payment Status : Current Two-Year Payment History : Late payments noted for XXXX ( 30 days late ) and XXXX ( 60 days late ) for XXXX  Despite multiple requests for correction through disputes filed on XX/XX/XXXXXXXX  and XX/XX/XXXX, the inaccurate information has not been corrected. This failure violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The presence of late payment notations that are demonstrably inaccurate violates this mandate. Additionally, creditors are obligated to send accurate information to the credit bureaus as outlined in 15 U.S. Code 1681s-2.

TILA Violations As per 15 U.S. Code 1666b, periodic statements must be provided at least 21 days before the payment due date. The inaccurate late payment reporting suggests that the creditor may have failed to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the need for creditors to send timely and accurate statements to prevent unfair penalties to consumers, which has not been adhered to in this case.

The continuous failure to address these inaccuracies has caused significant harm to my creditworthiness, affecting my ability to secure credit and financial opportunities.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction within 15 business days. 
If this issue is not resolved promptly, I will escalate my complaint to include legal action and additional complaints with other relevant regulatory agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I had XXXX and was so ill. I could not work for weeks and was on XXXX. 
I contacted Oportun XXXX XXXX I called and spoke to someone and they stated I could be on a deferment since I was on XXXX I have paperwork to prove that I was ill. 
I never received the paperwork I could not get out of bed I was so very ill. I called as soon as I was able and they stated they emailed me but I never received the email. I called again and they stated that they would mail me the paperwork. I never received anything. By the time I called and spoke to a supervisor and was told I had to pay a fee and that I would be reinstated. I made a payment that day to bring current but little did I know I was already reported twice to the credit bureau and my credit score was lowered quite a bit I have contacted OPORTUN XXXX  BUT they are no help at all. They have the worst customer service they never help me to help get this resolved or will get a supervisor to help. I communicated as soon as I could because of my illness. THEY ASSURED me that it has been on deferred payment status but that was not true. 
I now have 2 payments reported 1 30day and 1 60day late reported I would appreciate help in this matter. 
Thank You
Product: Student loan

Navient refuses to enroll me in the IBR plan. I submitted the required documentation in XX/XX/XXXX ... did not receive a response and then found out today that Navient had been sitting on the required payment documentation since XX/XX/2016. 

My spouse first had her payment cut significantly, and now lost her job. I can not pay my loans at the current rate. Navient REFUSES to allow me to enroll in the IBR plan. They continue to ask me to jump through hoop after hoop. For example, they told me I could upload documents to their website. After filing a CFPB claim in XX/XX/XXXX they told me it had to be faxed in. I assume the same will happen again. 

Please help me force Navient to allow me to enroll in this government mandated option.
Product: Credit card or prepaid card

Synchrony/Amazon  Credit Card XXXX XXXX On XX/XX/2021 I received a refund from Amazon.com website for a Heat Press I returned to them, But BEFORE the refund from the website I paid my Amazon Store Card to a ZERO balance on XX/XX/2021. On XX/XX/2021 Amazon Store Card sent me a refund check in the amount of {$420.00} then as of XXXX AFTER issuing me a refund check they said my balance I owe was {$420.00} which is FALSE I have documentation to back this up. I do NOT owe anything as this was a refund from Amazon website. I want this resolved, I have called Synchrony/Amazon credit card company at least 10 times regarding this since XX/XX/2021 with NO LUCK or RESOLVE. 

Because of what Synchrony Bank/Amazon has erroneously done/charged to my CLOSED account it has lowered my credit score by XXXX pts, I was at almost XXXX  pts. and now because of this I'm at XXXX pts.
Product: Bank account or service

I contacted my bank about what I believe to be fraudulent activity on my account that I recently noticed. The banker is stating that they are unwilling to do their do diligence to investigate this matter further. They actually notified me of a security breach back in XXXX 2013 however the are unwilling to investigate that breach. Furthermore, the representative stated my banking is my responsibility. I believe my banking is the responsibility of the institution where my money is placed. Especially if my money is supposed to be backed by FDIC. The representative also stated that there are times when there are things they as a banking institution overlook. That does not sit well with me and I believe if there was something overlooked it is their responsibility to investigate what they stated was a security breach and possible fraudulent activity. The representatives I spoke to were XXXX, XXXX, and XXXX. They are unwilling to investigate because they claim I logged into my account and that I should have reported it sooner. However, they all stated I have a two year window in which to report fraudulent activity and they refuse to honor their own verbal and written agreement. Additionally, I stated that I did not want to get into my own personal/medically history but that their are reasons ( medically/personally ) why the charges may have been overlooked on my end. I but my trust in the institution where I bank to honor their agreement to keep my money safe. I do not feel safe with an institution that will not investigate fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed hard inquiries and submitted an FTC report to all 3 credit bureaus regarding fraudulent accounts. 

Transunion - XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX - XXXX XXXX XX/XX/2021 XXXX - XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX SSN XXXX RE : Account XXXX Dear LVNV Funding, I am continually being called on the telephone by your firm over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I am requesting payment history between me and the original creditors as well name and address of original creditor. I am also requesting to see proof of debt assignment. I request that you cease contacting me via telephone and all future correspondence be in writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.

Intimate knowledge of the creation of the debt by you, the collection agency.

As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 
I look forward to a speedy resolution of this matter. Sincerely, Your Signature enclosures
Product: Credit card

Best Buy has been charging me, monthly, for a service of which I never signed up. The service is something XXXX ( taken directly from my statement ). When I called in to inquire about this charge, of which has been charged to me for the last XXXX years, they told me it was for a " geek squad insurance plan '' for my iPhone. The problem here is that I would have never agreed to insurance from Best Buy for an iPhone, as I am covered, and have been covered, from XXXX for over XXXX years for all of my cell phones. I would never have agreed to having XXXX different insurance plans for a cell phone. When I asked Best Buy to refund my money, they refused. I requested proof that I authorized the monthly charge, and they were unable to provide that, either. This was a hidden and very deceptive charge, obviously, and Best Buy needs to be held accountable. I know I should have checked my statements previously for this charge, however, the monthly amount was so small and I am on an automatic payment plan ; therefore, I did n't notice until I was looking online to determine if I purchased a warranty for another purchase from Best Buy. Bottom line, Best Buy is trying to, essentially, steal money from consumers and I feel that the CFPB should investigate this practice.
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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX # XXXX Date Opened XX/XX/XXXXXXXX  XXXX  Account # XXXX Date Opened XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

My name is XXXX XXXX XXXX, I had filed a complaint a few years ago I was the victim of fraud and I had to get my ID security PIN from the credit bureaus. I recently discovered some of the same issues this year I need the following unrecognized address removed from my credit file I believe they are attached to some fraudulent activities from the past I need them deleted immediately as soon as possible. I am in the middle of buying my home and it is causing some verification issues. 
Please delete the following addresses : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I also found issues with my name being spelled wrong my correct spelling is XXXX XXXX XXXX please delete any variation or misspellings of my name.
Product: Credit card or prepaid card

I applied for a Capital one Venture X card on XX/XX/XXXX and was approved. The annual fee of {$390.00} was charged on XX/XX/XXXX which I paid promptly. The account was closed on XX/XX/XXXX, with no explanation from Capital one Bank. I tried calling and asking for a reason but none was given. Anyway, I am requesting a refund of a paid annual fee of {$390.00} which I believe I am entitled to. 

I am attaching the letter of account closure from Capital one Bank.
Product: Credit card

As of this date XXXX/XXXX/XXXX, Sears credit card has not sent me a bill in the mail and I am concerned that they are with holding so they can charge a late fee. This is a reoccurring issues with this company. They processed and cashed my check last month on XXXX/XXXX/XXXX but sent that bill out in a timely fashion only because of my filing with your organization. Again, they have yet to send out a XXXX XXXX bill. In my observation over the years, this company is quite deceptive seeks to collect late fees when in fact the consumer is not mailed a monthly bill in a timely fashion.
Product: Mortgage

I received notice from Bank of America that my mortgage was being sold effect XXXX on XX/XX/XXXX. This is less than 15 days as required by 12 CFR 1024.33. 
I contacted BoA and told them they did not provide enough notice per the law, I was informed the letter was dated XX/XX/XXXX and that was more than 15 days. 
However, putting a date on a letter doesn't inform me of something on that day.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit card or prepaid card

I went into a branch location to make a cash payment. The teller told me I can only make a cash payment at the ATM with my PIN number. This morning I communicated with a Citibank representative via online chat to get my PIN. I was given a 1800 number to avoid a delay of 7-10 business days for the PIN to be mailed. I called the number and the representative transferred me to another person, however we were soon disconnected. I then called back the same number and I was told I had to receive my PIN by mail. I then requested a supervisor. The supervisor told me the same thing ; however, she could not explain why I was told by two representatives that there is another way. 

It is ridiculous that I am having trouble trying to make an early payment in cash. This is poor customer service and a waste of my time.
Product: Payday loan, title loan, or personal loan

I received a fraud alert on my credit report last night XX/XX/23 for a collection amount for over {$2900.00} I do not have a account with this company because I did not create this loan/line of credit. I reached out to the collection agency immediately and submitted a dispute and they gave me your information also to do so.. I do not borrow money on line nor do I create lines of credit on line I closed an account at my old Bank due to Fraudulent activity during the dates the collection agency told me this supposed loan/line of credit was accrued and I dated a man that was given access to my accounts at that bank and was not on my account. This man was a very bad person he stole from me used my credit cards and put me in a lot of financial debt. He took loans out in my name. this is why I also switched banks and placed Fraud alert on my credit report. for this exact reason. I have placed a dispute on my credit report and thru the collection agency who posted this. i promise you this is not my Debt please help me remove this from my credit report. It has been a struggle after what I have been thru with this man who destroyed my credit and my life to rebuild
Product: Mortgage

Fifth Third refuses to provide me the original note and original deed of trust, as they are required to since my mortgage is paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/. Here is my tracking number : XXXX XXXX XXXX XXXX XXXX To remove personal information that i do not want on my consumer file. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution can share my information to a third party company without my permission and or authorized consent. I never consented to have my private information shared with third party financial institutions and or companys. I was never given the opt out option by the companys either. 

These are clear violations of my federally protected consumer rights.