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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

my car payment is due on the XXXX of the month. If it is not paid they call me every 30 to 45 minutes of every day until it is paid, and with every phone call they leave a message.
Product: Credit reporting or other personal consumer reports

someone else used my information to apply for this liability. I never cosigned for anyones auto loan.
Product: Mortgage

On XX/XX/XXXX Flagstar Bank ran a hard inquiry on my credit without my consent. My mortgage is already with this bank and has been since XX/XX/2022. There was no need in my opinion for them to run my credit now, and they certainly didn't have my permission to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that Transunion had two separate glitches and my inquiries were deleted and then re-added once the glitch was discovered. I am well aware of my legal rights and legal protections and they failed to notify me in writing within 5 days prior to re-adding the inquiries to my credit report. I contacted Transunion in good faith and asked them to delete the inquiries that they illegally re-added. These inquiries add a hardship and I feel like my rights were violated by Transunion.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

DEPT OF ED/XXXX  account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I investigated my credit report, I realized that some of the information was erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below :, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my private student loans, previously serviced by XXXX were charged off. I have been paying under a payment plan, in which I pay them {$250.00} a month at a reduced interest rate. I had my credit report pulled on XX/XX/XXXX and was advised by the loan officer that XXXX has not reported any updates on my credit reports, Equifax, XXXX and XXXX since XX/XX/XXXX. I have attempted to previously resolve this with the Company and it has not been corrected. I call again today on XX/XX/XXXX and kept getting routed to the Collection Agency they routed my loans to for handling, who could not assist me with the XXXX issue. I was provided a phone number that did not work and continued to be re-routed to the collection agency each time I called. 

In addition, the collection agency advised that XXXX only reports on a quarterly basis and they would not report monthly as the account is past due but being paid under a payment plan. The agent this offered me a settlement for one account at a time, which would require a 50 % down payment of the settlement amount, which is not feasible.
Product: Debt collection

Calling when I dont owe debt. This is a new phone line. They need to stop calling
Product: Vehicle loan or lease

I am writing to bring to your attention a concerning issue regarding a disputed debt and the ownership of my vehicle, which involves Navy Federal Credit Union. I believe that the situation has reached a point where I may need to pursue legal action in federal court to resolve this matter. 

On XX/XX/2023, I submitted a negotiable instrument to Navy Federal Credit Union in an attempt to settle a debt. Per the provisions of UCC 3-603, this instrument, once accepted, should have discharged my obligation related to the debt. However, Navy Federal Credit Union did not accept the negotiable instrument, and as a result, I am still being pursued for the debt.

Moreover, I have been receiving repeated correspondence from Navy Federal Credit Union claiming that my documents are not valid, despite my efforts to resolve this matter amicably. This situation has caused significant distress and inconvenience.

Given the circumstances and the clear provisions of UCC 3-603, I am of the belief that I am no longer liable for the debt in question, and Navy Federal Credit Union should have released the title to my vehicle accordingly. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter to ensure that Navy Federal Credit Union complies with the applicable regulations and that my rights as a consumer are upheld. If necessary, I am prepared to pursue legal action in federal court to rectify this situation and assert my rights. 

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

Sincerely, XXXX XXXX XXXX *******Please see attached documents*******
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX  XX/XX/2021
Product: Credit card or prepaid card

Discover card is charging me for a returned payment they sent to me in check form. This check was unfortunately sent in concert with my bank deauthorizing the payment too, so it was an error. I communicated several times via phone with Discover immediately upon receiving the check, as well as after, including today prior to resorting to a complaint. I was told to not worry about the check and that it was null and void, so I destroyed it as instructed. I was told my account was on hold for review for up to 4-5 business days. Its been two or more weeks. I have been unable to view my account or get a current balance. I was told today that my balance is double what the activity warrants. I am sure the returned payment has been charged to my account despite multiple attempts to communicate this error to customer service. Instead, Discover sent me a verification request from XXXX  requesting personal tax information from the IRS. This feels like my debt is being held hostage as I am unable to access my account, Im given inaccurate balance, as well as being told my account is past due and accruing fees when Im not allowed to make payment unless I give IRS information. They have threatened to close my account if I do not comply with their request for IRS information. This is predatory and very disconcerting considering I have a long, healthy relationship with Discover until this. Please help!
Product: Debt collection

A debt collection agency is claiming that they will submit to both my account and my wife 's account on XXXX and XXXX a debt claimed by an HOA as a separate debt each year that the HOA submits the debt as delinquent. Thus, the disputed debt will continue on our credit report in perpetuum. We disputed this debt many times already. Is this legal?
Product: Debt collection

This company claims I owe over {$700.00} and refuses to provide me with their address. They state they will only accept payment via XXXX. I have been contacted by collections @ mypaydayloan.com.
Product: Credit card or prepaid card

On XX/XX/XXXX, I bought a new XXXX on the XXXX website for my best friend 's birthday gift. However, I think the package was lost. More importantly, XXXX never asked me for a signature, so I didn't sign for this package, which may be just be put there and someone took it directly. I contact XXXX for a week and no one wants to responsible for this. Then, I asked my bank, Discover, to hold the money. I hope to give me some time to investigate. Last month, my dispute was failed because XXXX had proof of delivery. The fact is I didn't sign! On the day of the delivery, I never got a call or email to ask me for a signature. I tried to contact XXXX and Discover these days, but they are beginning to pass the buck to each other. I really need an answer to this. I am helpless. I don't know how to prove that I didn't sign for the package. And I indeed searched for everywhere of the building. It's been almost 2 months ... Please help me.
Product: Credit card or prepaid card

American Express has been turning against good customers! Closing their accounts! 

Doing that to customers with perfect payment records! 

Demanding to see confidential documents! 

Demanding that customers with firmly established credit card accounts co-operate with intrusive mortgage-application style onerous processes! 

Threatening to close all their Amex accounts if the customers don't agree to above stated outrageous demands!
Product: Debt collection

My father and I have been receiving multiple phone calls from Navient per day, even after speaking with a representative. On XXXX alone I received 3 calls. I told the first rep that I would n't be able to make a payment for two weeks and was told it would be noted in my account. Why then was I called again two more times the same day. My father ( cosigner ) just informed me that he also is receiving multiple calls per day and being threatened with credit reporting. Last week a rep stated that by making a payment, credit reporting would be rolled back 30 days. The payment was made, so why the threats? This has gone on for a couple months now, back and forth, one rep says one thing and another something totally different. Navient refused to allow a repayment plan based on my reduction in income and now the result is harassment.
Product: Debt collection

Jefferson Capital sent me a collection from XXXX XXXX XXXX regarding a debt from XXXX XXXX Bank that I never received. 
Jefferson Captial Resent the collection back to XXXX XXXXXXXX. 
Jefferson Captial needs to remove all information as collections from XXXX and XXXX XXXX XXXX. 
Jefferson Capital has no right to have collections showing on any credit Bureaus or Risk management companies as to this debt. 
Account Number Ending : XXXX Account numberXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the incorrect information on my credit report for several months with XXXX, XXXX, and Experian and I have not been able to get the errors on my credit report corrected. There are several erroneous accounts on my credit report from creditors that I have never had an account with and I want this information to be removed immediately. I have never had an account with XXXX XXXX for {$740.00}, XXXX XXXX XXXX XXXX for {$630.00}, XXXX XXXX XXXX XXXX for {$910.00}, XXXX XXXX {$680.00}, XXXX XXXX  {$1200.00}, XXXX XXXX XXXX {$740.00}, XXXX XXXX XXXX {$440.00}, XXXX  {$740.00}. Please remove the incorrect information from my credit profile as it is negatively impacting my scores.
Product: Student loan

I got student loan from MOHELA. Because of the XXXX XXXX XXXX XXXX XXXX so I want to contact them to ask about my previous payments. I tried to call them over XXXX times. Everytime I called, the automatic voicemail always said the estimated wait time is XXXX mins and I never get any answer from them even after that long waiting time. They don't have any email to contact. I submited a complain on their website few weeks ago, but nothing happen.
Product: Credit card

All three of my accounts with Chase bank were closed by the company in late 2023. I received an email notification that the business credit card that was under my SSN was closed on or before XX/XX/year> with notes requesting flexible payment options but no prior notice of account pending closure. 

During the same timespan, my XXXX personal credit cards with Chase were closed in relation to the business account. I spoke with multiple agents when I called inquiring about the company closing the account - the reason sited on the call being due to delinquency on the business account despite making on-time payments on the personal cards, but to no avail I was informed nothing could be done and there was no one additional to speak to regarding the matter upon request. I was informed that I would receive an explanation in the mail that was " never '' received which violates Part XXXX of Regulation B. The agent did provide the reason " orally '' but written documentation was not provided even though I was told it would be sent in the mail. 

After researching 12 CFR 1002 Equal Opportunity Credit Act ( Regulation B ), I understood Chase Bank took " adverse action '' against the accounts I had with them by terminating. Due to the actions willfully taken with no intent to correct, Chase 's action are viewed as discrimination against me.
Product: Credit reporting

I have an account that is reporting incorrect information XXXX XXXX this is reporting inaccurate information experian refuses to investigate I also have an address listed XXXX XXXX XXXX never lived there they refuse to investigate
Product: Student loan

I am a parent. I made XXXX direct plus loans for my youngest daughter to attend XXXX University. I actually consolidated these loans under XXXX, but they since changed to XXXX XXXX then to Navient they are once again individual. I wanted to consolidate them again but Navient insists that I have a co-signer. Why? I already have the loans why would I need a co-signer to consolidate? 
When I started paying these back my balance was XXXX. It is now XXXX. I have not missed a payment in nearly 5 yrs to the tune of XXXX dollars. and my balance goes up XXXX? This company is stealing. How can they be allowed to do this? 
I fully understand they are in business but really almost XXXX dollars and the principal does n't go down. I 'm trying to pay for an education not a XXXX XXXX or a XXXX.
Product: Payday loan, title loan, or personal loan

As stated in prior complaints against Avant Credit/XXXX   the terms of loan were not disclosed at time of approval including interest rate. Several payments were made and have ceased when contract was emailed to me showing rate, which I dispute and have been disputing for several years now. Avant claims I selected the loan amount as well as terms which is not correct, the amount, {$6800.00} was the only amount offered and no terms such as interest rate were selected either. The last payment was made in 2015, Avant has been reporting the account 180 days past due when last payment was made well over 180 days, this is an attempt to get me to pay the loan and also harm my credit score. The bank claims to have screen shots showing the rate/terms, none of which they have shown or proven. Additionally, the application was done electronically and nothing signed, my signature is not on any documents showing I agreed to any terms. Having said that and the fact we are not able to resolve the issue, I request Avant to close the account and send it to collections, I will work with whichever collection agency they refer account to
Product: Debt collection

A debt collector with National Credit adjusters keeps calling, showing up to old residences trying to serve me for a debt Ive been trying to dispute for years. My identity was stolen around late 2020. Multiple loans were taken out with my social. I have been trying to dispute that they arent me. I have been getting calls from family members that say the debt collector keeps asking them where I am or if they know me. The original loan company who sold off the debt is called XXXX XXXX. This is not my debt and I am tired of being harassed for something that is not mine. They have never verified the debt either. The amount of the debt consistently changes too. It used to be around {$1500.00} when this all started and now its {$3000.00}.
Product: Credit card or prepaid card

I opened a Banco Popular sponsored credit card offering 65,000 miles to XXXX XXXX after paying a {$140.00} fee and making an initial purchase. 

The card was opened on XXXX XXXX XXXX and I spent around {$900.00} plus they deducted the {$140.00} annual fee immediately. I made my payments on time and did n't use the card since. The spending commitment was made on time. 

After not receiving the points by XXXX XXXX, I called Banco Popular at the number on the back of the card ( XXXX XXXX XXXX. I was informed that the points will show up in the avianca lifeMiles matter of weeks. 

After not receiving any points as of XXXX XXXX, XXXX I called Banco Popular and spent appx 40 minutes being passed around with only, this is the wrong department, your account has been closed. 

I checked with XXXX XXXX and saw that Banco Popular closed my account in late XXXX XXXX. I received no refund on the {$140.00} annual fee, and was not informed that the card was cancelled in any way ( such as a letter informing me XXXX.
Product: Checking or savings account

Dear CFPB, I am writing to formally file a complaint against Cash App regarding a fraudulent transaction that occurred on my account. On XX/XX/year>, I discovered that {$1600.00} was stolen from my Cash App account. I promptly reported this incident to Cash App, informing them that I had filed a police report and that I had not authorized these charges. 

Upon reviewing my account history, it is evident that I typically do not make transactions of such a large amount. My usual activity consists of receiving deposits and making small withdrawals, generally under {$100.00}. Following the incident, my connected checking account with XXXX XXXX was able to investigate the matter and reversed the fraudulent charge, crediting my account permanently after I provided them with the necessary details. also, I have never had any transactions with the person that stole the money from my account prior to this incident. Also, I've never disputed any charges or anything like that. 

However, despite my efforts to resolve this issue, Cash App has since retained {$510.00} that was deposited into my account from child support. They have more information regarding the individual responsible for the fraudulent charges but have refused to initiate an investigation into that account. I am aware of at least XXXX other individual who has faced similar issues with Cash App, which raises concerns about their commitment to address fraudulent activities. 

Given the circumstances and the police report I provided, I respectfully request that Cash App return the {$510.00} to me promptly. Their lack of action to investigate the fraudulent account is unacceptable, and I believe my rights as a consumer are being violated. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX Phone XXXX Email : XXXX XXXX
Product: Debt collection

As a loyal Honda customer, I previously owned a XXXX Honda XXXX ( {$5.00} ), which I traded in when purchasing the XXXX model ( XXXX ) IN XX/XX/XXXX. At the time of purchase, I also provided a down payment ( {$2500.00} ), further demonstrating my commitment to maintaining my relationship with Honda. 

Despite my history as a returning customer, I was not given any reasonable options to assist with refinancing or restructuring my payments before my vehicle was repossessed. I believe Honda failed to consider my long-standing loyalty and did not provide adequate support to prevent this situation. Given the challenges I faced, I was willing to explore alternatives to remain in good standing, yet I was not offered any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have collections showing for XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I have never dealt with any of these companies. I would like this information to be removed from my credit file on transunion and XXXX please
Product: Vehicle loan or lease

In XXXX  the car was turned over for repossession and the pick up location was given to the owner of the vehicle meaning the bank. Two weeks ago, around XXXX XXXX I reached out to them again to ensure that the vehicle had been picked up because I was receiving a numerous amount of calls from, the collection company stating that they needed the address for pick up. Reached out again a week ago gave them the address again and Im still receiving the calls in addition the balance on my account because the vehicle is under repossession is affecting my credit score, and I have agreed to make monthly payments until I can pay it off. Even after repossession.