23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that have incurred. Despite having sufficient funds, when transactions were authorized, I was charged fees due to lag, posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transaction set up with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation to my account transactions.
Product: Credit card or prepaid card

About XXXX of XXXX, I signed up for a Bank of American credit card. I transferred a balance to the card and waited for a statement to arrive. The first statement never arrived, and I figured this out after the due date. When I did, I called them up and they said that I had missed my payment. I signed up for their website so I could pay online and paid that day. However, they reported a late payment to my credit report. I called and told them that they can not report a late payment since they never sent a statement. They couldn't confirm whether a statement was sent or not, but they said I could try refuting the report with the reporting agencies, that they had no other recourse for me. I did that several times with each agency and each time they stated that they found no error in the information. I'm considering a defamation suit, this is the only negative mark on my report and I have never been late on a payment in my life! This is not a late payment because they never sent a statement and it was the first month so I had no idea where to send my payment to or when it was due. Bank of America should be shut down, they are clearly committing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name XXXX XXXX XXXX XXXX Date opened XX/XX/2018 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

as per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from a advocacy group helping me due to XXXX  XXXX debt bondage which falls under XXXX according to XXXX debt final rule 1002,142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request you block and remove this information from my report within four days pursuant section 605C of the fair credit reporting act please delete the following accounts 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 XXXXXXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am currently trying to get a loan modification review through SLS but they just told me today that they could not because they need 38 days to look at my file. This seems odd because I have been submitting documents and was never told that. I submitted my loan modification documents over 10 days ago and additional conditions over this weekend only to be told that they can not look at my paperwork.I am concerned because I have not received anything in writing and feel that SLS just does n't want to work on my file. I get teh sense that they are going to just let me lose my home. I have a sale date for XXXX/XXXX/16 and I do n't want to lose my house to foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information and according to equifaxsecurity2017.com my data was comprised during a cyber security incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I noticed fraudulent accounts on my credit report and proceeded the identity theft dispute process by providing all necessary documentation including FTC and police reports. As of XX/XX/XXXX all items in questions were removed from report as they were verified to be fraud. On my credit report for XX/XX/XXXX I noticed a XXXX XXXX credit card that was previously removed was added back to report. I proceeded to dispute again on XX/XX/XXXX and XX/XX/XXXX. I called in the disputes as well and Experian and XXXX informed me that there was nothing they could do to help even though they could see that it was previously removed due to fraud. This has caused an indescribable amount of stress and hinderance in allowing me to qualify for credit because of this account dragging my score down over 50 points.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Mortgage

Mortgage company did not pay insurance through escrow account which caused a lapse in coverage and then when reinstating two months later the premium went up. Mortgage company refused to credit me the difference even though if they had paid it on the due date it would be the lesser amount. They took the difference from my escrow account even though i told them not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act 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 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

- XXXX XXXX XXXX XXXX XXXX - They tried to open an account, and account was DENIED.
Product: Student loan

XX/XX/2018 i called navient about a conversation regarding a disputed account with a rep prior. She wouldnt allow me to dispute account she told me to contact school for proof. Said that no supervisor was there to speak to me said that shes was tring to help but kept over talking me and repeating the same phrase over and over again. I paid my loan prior but stopped after realizing a institution that was being disputed was being paid too. I wantef clarification on that instabces and ive called numerous times!! Please help
Product: Credit reporting or other personal consumer reports

There are accounts that's on my consumer report that doesn't belong to me.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inclusion of Income Information on Credit Report Dear CFPB, I am writing to file a formal complaint against Transunion for including income information on my credit report, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). Enclosed is documentation of my previous inquiries request for Investigation and reinvestigation for the account XXXXXXXX XXXX XXXX Account Number XXXX it has been updated the pay status as charged-off which is considered income. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge-off is Income. 
Upon reviewing my credit report I got from Transunion today XX/XX/year>, I noticed that income information has been reported. According to the FCRA, specifically 15 U.S. Code 1681b ( b ), consumer reporting agencies are restricted in the type of information they can include on a credit report. The Act does not permit the inclusion of income information as part of a consumer 's credit file. The presence of this information on my credit report is therefore in violation of federal law. 

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the inclusion of income and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXX  - Account Number XXXX
Product: Debt collection

West lake Financial, Had incorrect payment information on file. Had not been charging correct amount for years as they placed a interest rate on vehicle that was so criminal that any payments made toward the car made no difference ( 4 years of payments and start amount and ending amount are the same ) They then took car said they would not update file until {$2000.00} was payed. When amount was payed they blocked caller and kept file at XXXX Highest amount on account was XXXX in 2020, Charge off amount was XXXX Refusing to update any payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received my confirmation on how you verified the alleged accounts in Exhibit C and therefore request that you consider this final notice to your offices. Past this point the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of me trying to rectify the subterfuge you are reporting. ****(copied from the affidavit attached)*****
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I contacted Discover Bank by phone on XX/XX/2020 and requested that my two bank accounts with Discover Bank be closed because I cant add my debit cards to XXXX XXXX and every time I pay my Discover credit card bill using my Discover bank accounts my available credit do not increase by the amount of my payments until I call Discover and request that it does. But the Discover Banking Specialist claimed she didnt know how to close my accounts and placed me on hold and then disconnected the call. No one from Discover Bank called me back and every time I call the bank back my calls are placed in a call queue until I realize my calls are not going to be answered and hang up. Discover Bank needs to be put under investigation by the CFPB or the FBI for their business practices.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX XXXX Account # : XXXX Account # : XXXX # : XXXX On Experian, the payment history shows on this account as follows : XX/XX/year> : Past Due 30 Days Whereas, XXXX does not show XX/XX/year> payment history and XXXX shows the account Paid on Time The consumer reporting agencies need to report all information with complete accuracy. This account are being reporting inconsistently across credit report which violates the Fair Credit Reporting Act. I've attached a copy of my report to this complaint. I am now requesting you to investigate this account and update these payments to paid on time on all credit reports immediately or remove from my reports entirely! 

Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity had been stolen in pass data breaches, I have account in my file that do not belong to me. Please removed this items from my report, I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID, SS and proof of address. Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a XXXX payment from XXXX XXXX XXXX in the amount of {$100.00}. XXXX XXXX sent the funds via standard delivery which meant that the funds were not going to be received until XX/XX/year>. The payment in the amount of {$100.00} was for the purchase of two tickets for both him and his girlfriend to attend an event that I was hosting on XX/XX/year> in XXXX, XXXX. Because the payment was not going to be received in time of the event I had advised XXXX XXXX that he would need to make a payment at the door for the events and that when his payment which he sent via standard delivery was received on XX/XX/year> that I would refund him the {$100.00} he had paid. XXXX XXXX was not happy about the situation and requested a refund which I obliged to provide but only after the funds were officially received to my account. On XX/XX/year> when the funds were released prior to the original date mentioned I provided XXXX XXXX with the appropriate refund of {$100.00}. This is evidenced via the following XXXX transaction ID 's ( XXXX ; XXXX ). However I had been informed that on XX/XX/year> XXXX XXXX filed a fraudulent scam report stating that I sent funds via XXXX from his account without his authorization. As a result XXXX has blocked my XXXX  account and requested a refund of the funds. My bank processed that particular refund and XXXX XXXX has now been paid on two separate occasions on something he technically should have never received a refund for however I still provided him with one as a courtesy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to update my credit file properly due to the fact someone had use my ID back in2019. I see my name is still spelled wrong and there are SS # that are not mine as well asaddresses that do not belong to me. 
Please delete/remove the following names : XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 
Mycurrent and only addresses is XXXX XXXX XXXX XXXX OH,XXXXPlease delete / remove the following unknown/ fraudulent addresses : XXXX XXXX XXXX OHXXXX, XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX  XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX OHIO XXXX XXXX OH,XXXX  XXXX XXXXXXXX XXXX XXXXOH,XXXX XXXX XXXXXXXX XXXX  OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX My SS XXXX DOB XXXX please delete any other data or information thatdoes n't match.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regrading multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, i was authorized, l 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 dispite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dispute DepartmentExperian XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Dispute of Unauthorized Collection Account on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a collection account that appears on my credit report. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with a validation notice within five days of their initial communication. This notice must inform the consumer of their rights to dispute the debt and request verification. If this validation process has not been properly followed, the collection account should not appear on my credit report. 

I have not received proper validation of the debt in question, and I am requesting that this account be removed from my credit report unless proper validation is provided. The presence of an unverified collection account is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the collection account from my credit report if it can not be properly validated. I request a written confirmation once the investigation has been completed and the necessary corrections h

ave been made. As outlined in
15 U.S.C. 1692g, consumers have the right to : Receive a validation notice informing them of the amount of the debt and the name of the original creditor. 

Dispute the validity of the debt within 30 days of receiving the notice. 

Request verification of the debt before any further collection efforts are made. 

If the collection account on my credit report does not meet these criteria, it must be removed immediately. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1692g Validation of Debts This section of the Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide consumers with a validation notice within five days of their initial communication. This notice must include : The amount of the debt. 

The name of the creditor to whom the debt is owed. 

A statement informing the consumer of their right to dispute the debt within 30 days. 

A statement that if the consumer disputes the debt, the debt collector will obtain verification and provide it to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally indicated in the CFPB response dated XX/XX/2023, that they had requested the consumer credit reporting agencies to update their records to reflect my account as paid in full. However, to date, my credit reports have not been updated. Ally continues to show a willful failure in reporting my payment history as paid in full, and as a result, I have had to put my personal financial needs on hold due to Ally 's inaccurate derogatory reporting on my credit reports. I have been experiencing this for 10 months and have not received a resolution. To date, my credit report states that " Account paid in full for less than full balance '', which continues to reflect a negative rating on my credit report.
Product: Credit card or prepaid card

On XX/XX/2021 I was a victim of credit card fraud what I believe was done through XXXX. Bank of America 's voice automated system called me to verify someone was attempting to add my card to a different phone. After being prompted to decline this activity my account was compromised anyways and was charged a total of {$1200.00} in fraudulent transactions. 

After disputing these transactions Bank of America decided that a transaction of {$210.00} from a XXXX in XXXX, XXXX would not be credited back to me because there was enough evidence to prove I had done it being that I shop there frequently. I live in XXXX, XXXX  and would like to bring up the fact that this was an in store purchase. Bank of America did not do its due diligence in protecting my accounts and is not completing their investigations thoroughly. Because there is no PIN number associated with credit card and my signature was not compared rightfully to the one used during purchase, I was not given a fair investigation and thus am decepted by Bank of America. 

I have called numerous times to resolve this issue with Bank of America but they continue to reopen my dispute and find it not in my favor causing it to effect my credit score negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to two hard inquiries that are currently listed on my credit report and file. The hard inquiries from XXXX XXXX on XX/XX/23 and XXXX XXXX  on XX/XX/23 are fraudulent and were not inquired by me. I demand these inquiries that were a result of identity theft to be removed from my credit report within 4 business days ( Per 15 U.S. Code 1681c-2 ), as it has caused me and my reputation personal harm and discrimination.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.