23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 reporting or other personal consumer reports

I am writing to formally submit a complaint to EQUIFAX regarding inaccuracies in the reported data on my credit file. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My date of birth is XXXX and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 
151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Product: Checking or savings account

Ive disputed a total of {$11000.00} on my Chime account due to fraud and identity theft in XX/XX/2023. I still have yet to receive any documents referring to my case and proving that they have conducted an investigation into this matter. They also closed my account immediately after I discovered the fraudulent activity which is expected, however I inquired about account access to my statements and was never allowed access to my account to view any and all activity.
Product: Bank account or service

I have XXXX accounts with Bank of America. In order to prevent overdrafts in XX/XX/XXXX I opted out of payments of overdraft created by debit card charges and automatic payments and requested that if there were not sufficient funds the items were to be denied. The bank changed the setting in the account and when items without sufficient funds came in these were declined, however, the bank continued to charge {$35.00} per item since it indicated that declined items are subject to fees anyway. In addition, the bank would not indicate in the activity online what item was declined. Since the solution was worst that the problem I went back to opting in for overdrafts. Also, I was not notified of my right to opt in or out for payment of overdraft. That was the bank strategy to get me to opt in again. I believe that the bank actions might be in violation of applicable regulations and were established as a device to charge excessive overdrafts fees. As such the bank is incurring in unfair and deceptive practices. For this reason I request that the bank refunds all overdrafts fees charged to my accounts in XX/XX/XXXX and XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Basically I added a friend 's card on my account to transfer money with my friends permission, and Google Pay suspended my account. They have asked me to verify my identity, and I've sent them all the documents they required and still my account is suspended with no response from them at all. I have cooperated with them on every level. I've jumped through all of the hoops. But when I've called into customer service it's a dead end and they can't tell me any details about why it is suspended. They can't tell me any details related to my account about whether or not they have received the verification. I've clicked on their resolve links hundreds of times. Because my Google pay account is suspended it has limited my ability to handle my financial matters. It has made it very difficult to use my phone since I get an error message every where I turn. I believe I have been treated unfairly and with unprofessionalism.
Product: Credit card

I have been a Nordstrom customer for years. I recently made a purchase and when I tried to pay the balance, I continually received a message that I can't " pay a nordstrom debit card online ''. I don't have a Nordstrom debit card. I never have. They charged me a late fee and were rude when I called. I never got an answer. This is a scam. Not allowing a payment and then charging a fee is fraud.
Product: Debt collection

I was a victim of fraud in my checking and savings account, I realized the following week, I went to the bank to make the claim, they closed the account and opened a new one, they did their investigations and they returned all my money that was extracted, After 3 months they are calling me from a Hunter Warfield company, I explained that I was a victim of fraud and that I will not pay a debt that I have not made, today I realized that they placed my debt in XXXX, they are damaging my credit, I do not understand how they can harm me without doing an investigation, they can go to the bank and verify that I was a victim of fraud, I want to try to solve this problem that will affect my credit
Product: Vehicle loan or lease

I was seeking information on a auto refinance on XX/XX/XXXX around XXXX. I input information and within 7 mins my phone phone was being blown up with phone calls and text messages. As of today XX/XX/XXXX I've had 27 calls and 3 text messages. Please make this stop.
Product: Credit reporting or other personal consumer reports

This company states that they have anything on my credit report when I have talk to them on the phone which was suppose to be removed its still popping up on my credit report Regionalac Bank
Product: Credit reporting or other personal consumer reports

TO WHOM THIS MAY CONCERN, MY NAME IS XXXX XXXX  AND I AM WRITING THIS STATEMENT ON MY BEHALF. PER 15 US CODE 1681S2(A)(1) (A(&C) AND `5 US CODE 1681-B OF THE FEDERAL CREDIT REPORTING ACT (FCRA) THE ACCOUNTS LISTED IN THIS REPORT SHOULD NOT
BE REFLECTING ON MY CREDIT REPORTS AS THEY VIOLATE MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. PER THE FCRA LAWS
PROVIDED, THEY SUMMARIZE THAT IT IS NON-PERMISSIBLE FOR A CONSUMER TO REPORT ANYTHING UNDER ANY CIRCUMSTANCES,
WITHOUT MY WRITTEN CONSENT OR INSTRUCTION TO DO SO. NO CONSENT CONSTITUTES AS IDENTITY THEFT. AS A FEDERALLY PROTECTED
CONSUMER, I AM DEMANDING THE REMOVAL AND DELETION OF ALL THE LISTED ACCOUNTS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you 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 you responsible for your tenacious rebelliousness. 
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 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
Product: Credit reporting or other personal consumer reports

I filed for XXXX  XXXX bankruptcy on XX/XX/XXXX and have been discharged since XX/XX/XXXX. 
My XXXX/Equifax credit report generated on XX/XX/XXXX labels 8 accounts as late which is adversely affecting my score even though those accounts are closed and have been discharged through bankruptcy. 

My understanding is that any discharged debt under bankruptcy can not be marked anything other than closed and can not directly report as late. 

I disputed the statuses of those 8 accounts but was denied because This account is scheduled to continue on record until XX/XX/XXXX. '' I just need the following banks and or credit companies to adjust this based on bankruptcy law. 

XXXX and Equifax claims that the following are late/closed but lists 8 account as late and a 35 % payment history. 

accounts that show 60 days late directly in XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is the only credit report that does not have this issue.
Product: Debt collection

XXXX credit report was pulled for employment reason. 
Account Name CreditAcpt XXXX XXXX open on XX/XX/year>. There is also a weird place of address that i have never lived out in XXXX tx. doesn't tell me from what year but i have never lived outside of XXXX, XXXX and XXXX location. i have a report number # XXXX im not liable for this account and would like it removed from my credit report. this has also been reported with XXXX, XXXX and XXXX
Product: Checking or savings account

I have a checking account with Bluebird.com from American Express.Yesterday ( XX/XX/2022 ), I made a {$20.00} gas purchase at a XXXX convenience store near my house in XXXX XXXX. Right afterwards I tried to use the ATM at that same store and my Bluebird card declined. So I checked the balance and found out my card was drafted over {$160.00} when I made the {$20.00} gas purchase. I asked the store clerk about it and she said its something they started doing on my type of card but the funds should be back on the card in XXXX minutes. It didnt happen, so I called XXXX XXXX and they told me it could take up to XXXX hours to get the funds back, if not call them back. I called them back today sooner than XXXX hours because I have bills that are Now Overdue Today because I had planned to pay those bills yesterday after I bought the gas. On a XXXX way conference call a XXXX agent and I called my Bluebird customer service and they informed me that it will take 5 DAYS FOR AMERICAN EXPRESS TO RETURN THE $ XXXX THEY PUT ON HOLD!!, NOW I WILL LOSE MY GOOD STANDING WITH MY CREDITOR!!! 
THEY HAVE DAMAGED MY CREDIT STANDING!!!
Product: Vehicle loan or lease

To whom this may concern, I am writing about my account with Mercedes Benz Financial Services. On XX/XX/XXXX Mercedes Benz, Financial Service erroneously tower my XXXX XXXX XXXX, which caused a major hardship to my household as a single parent and a XXXX XXXX. Due to the lack of communication between Mercedes Benz Financial, their customer service department and their collection department my household was place in detrimental positions that compromised our wellbeing and lively hood. Although Mercedes apologized for the error, I was told I would not receive my vehicle until XX/XX/XXXX since the towing company they sent for my vehicle was closed once I called in. This error created more of a hardship from Friday XX/XX/XXXX to Monday since I work in Washington DC which challenged my attendance at work since I was currently 1 hour away from work ( without traffic ). When my car was returned the brake lights came on and an alert stating I needed to get my vehicle checked out. Mercedes apologized and stated that they would pay all expenses for the erroneous towing and I would get my vehicle back as soon as possible. When I called in to express my concern about my brakes Mercedes Benz financial customer service agent told me that I had to file a complaint with the finance company and not with them. I have also attempted to access my online Mercedes Benz Financial yet can not because Mercedes has labeled my account as closed, even though they apologetically returned my vehicle on XX/XX/XXXX. When I called to inquire about my account and making a payment, Mercedes Benz Financials Services customer service told me my account was closed, which didnt make sense because I have my vehicle. Before pursuing further action, I would like for Mercedes to resolve this issue by correcting this issue as soon as possible. This matter has cause major issues in my personal and professional life and is creating many hardships to mu environment
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding XXXX XXXXXXXX ( Account Number : XXXX ) for inaccurately reporting late payments ( 150-180 days late ) to all credit bureaus after my loan was transferred from XXXX, where I was in active forbearance due to hardship and hurricane impact. 

Under the Fair Credit Reporting Act ( FCRA ), accounts under a forbearance agreement should not be reported as late. Despite my compliance with the forbearance terms, XXXXXXXX XXXX XXXX  reporting has significantly impacted my credit score.
Product: Credit reporting or other personal consumer reports

I have disputed this account numerous times with all ( 3 ) Credit Reporting Agencies. It is reported by GM Financial that in XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX the payments were 30plus days late. I have called GM Financial Numerous times to only be told an account with my Social Security number, Vehicle ID Number, Name, birthdate - does not exist in their system and does not exist in their archives. I even called today : I called GM Financial on the phone number listed on their website ( XX/XX/XXXX at XXXX XXXX  ) - I was asked for my Name, Phone number, Vehicle ID Number and my Social Security number and nothing came up. They asked me to call : XXXX, I spoke to XXXX ( XX/XX/XXXX at XXXX : XXXX XXXX  ) that could not find an account associated with my Name or Social Security number and she asked me to call : XXXX XXXX. ( XX/XX/XXXX XXXX XXXX  I spoke to XXXX XXXX who stated there is NO ACCOUNT OR VEHICLE IN THE SYSTEM TO MATCH MY NAME AND SOCIAL SECURITY NUMBER> DELETE THIS ACCOUNT FROM ALL ( 3 ) CREDIT REPORTING AGENCIES OR I WILL SUE. I have filed numerous DISPUTES with the Credit reporting agencies only to come back CLOSED AND UPDATED I asked for Debt Validation- NONE EVER GIVEN, I have asked for a PAYMENT HISTORY, THEY CAN NOT FIND IT. I Have been disputing/ contacting for over 6 months as the negative reporting on my credit history has made my credit score suffer and I had to get a higher interest rate on my home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attempting to obtain a loan and have it pre-approved with a minimum score needed of XXXX from Experian. My credit score previously was at XXXX. Suddenly, my score dropped 9 points to XXXX, leaving me a much lower margin of error and jeopardizing the pre-approval for my loan. When attempting to contact Experian about why the score dropped by 9 points, even though my percent of credit usage stayed the same and a credit card limit was increased dramatically, they were unable to explain why the score dropped. Further calls to their dispute line have resulted in hangups on their end as soon as I mention my name. If these companies like Experian, XXXX, and XXXX are going to have such a dramatic impact on whether someone is able to obtain a loan, they need to be held responsible for explaining EXACTLY why their reports and scores show changes, so that consumers can address the issues involved. 

Right now, these companies are just shills for the credit card industry, and hold themselves up as arbiters of credit worthiness, but can not explain, or refuse to explain, how their products work. They need to do so so that consumers can act accordingly to maintain or increase their scores, otherwise, their services are useless and arbitrary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted equifax several times about several accounts and inquires requesting they are blocked from my credit report due to identity theft. They keep updating the trade line as verified even after identity theft report was sent in to them. I did an online dispute in XX/XX/2018. I sent in a letter as well in XX/XX/2018 and I also fixed the letter into them and accounts has not been removed. Also Eauifax data breach there was several inquires added to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account has never been late and due to an error with XXXX XXXX, my FIFTH THIRD BANK account was made to be delinquent when in fact it never was. XXXX XXXX provided a letter owning their mistake and the credit report still shows the account as being lat. This inaccurate reporting has severely affected my credit profile and scores. I was unable to get my loan because of this terrible marking on my credit report.
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, Equifax, XXXX, and XXXX have all reported negative items of accounts that doesn't belong to me nor bare my signature. I've filed police reports regarding these issues and submitted them to both the consumer agencies and the companies that have reported to the consumer agencies. 

XXXX has removed, but since reported again the same accounts in question.
Product: Debt collection

Called my cell phone and was busy at work to answer and turned around and called me at work. When calling on cell, they do not leave voicemail. I have wanted proof in the past of who they are. I will not give my personal info since the bank sold my account to a collector.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit refund from my university. The university has confirmed the payment was sent to my Capital One account and routing number. However, the funds have not been credited to my account. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 items and DELETE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX support enforcement XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should not be on my credit report as per 15 USC 1681 sec 602. accuracy and fairness of reporting 15 USC 1681 sec 605. no accounts placed for collection or charged to profit and loss which antedate the report by more than seven years 15 USC 1681 sec 607 No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604
Product: Mortgage

ocwen bank had my mortgage i was behind on one payment i called them to see my options i was told that modification dont take as long as they use to, i had one a few years ago and it took 7 years and i did not want that again, i wanted to pay my mortgage just wanted that 30 days late off my credit report, well started modification 2 years ago, never got anywhere with ocwen but they traded my loan to phh mortgage 4 months ago and i get a sheriffs sale notice i have sent paperwork everytime phh and ocwen asked and have it documented that it was received then phh comes back and says ok we got that now the other ones are over 60 days old, i have yet to hear if declined or accepted my modification and time is ticking my case manager suposidly XXXX XXXX at XXXX ext XXXX EVERYTIME, and there were many at different times i have yet to speak to himi he is never there they have eveything they need and i need to see if i can save my home, i feel they are not doing anything they are just gon na let this go into sheriffs sale and i do have a few tenants
Product: Mortgage

Today XX/XX/XXXX makes the XXXX time that XXXX has denied me a dedicated representative. XXXX XXXX is supposed to be my representative. On XX/XX/XXXX, he said that my investor, XXXX XXXX, had approved my loan modification and that my approval letter should arrive within a XXXX days. XXXX XXXX reached out to XXXX because I completed my trial modification and XXXX wanted me to do it again. 

However, instead of sending the modification approval letter. XXXX sent me a letter requiring me to go through another trial modification to give them time to come up with more schemes to do deny the modification. 

XXXX XXXX claims that his unnamed superiors are refusing provide the XXXX XXXX modification. So, I do not have a dedicated representative. 

I aske XXXX XXXX to name these people and he did not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unfreezed my credit report numerous times. However, everytime I apply for credit or a credit limit increase I'm declined because they can't verify my credit reporting information. Equifax keeps saying I don't have a payment history. That's not true. I have 3 credit cards that report to all three credit bureaus. Equifax isn't reporting my credit report accurately and I have a bunch of inquiries due to companies not being able to verify my credit information.