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

To Whom It May Concern : I am filing this complaint against the credit bureau due to its repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccuracies in my credit report. I have submitted multiple dispute letters addressing inaccurate information, specifically citing violations of FCRA Section 611 ( 15 U.S.C. XXXX ) and Metro 2 compliance standards. Despite my detailed submissions, the credit bureau has continuously dismissed my disputes without properly investigating the issues, as evidenced by its generic responses attached to this complaint. 

Details of Dispute : Failure to Conduct a Reasonable Investigation : Under FCRA XXXXi ( a ) ( 1 ) ( A ), the credit bureau is required to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. My letters outlined specific inaccuracies related to accounts from XXXX XXXX XXXX ( Account # : XXXX ) and XXXX XXXX ( Account # : XXXX ), including incorrect status information and balances. The credit bureaus response indicates that no meaningful investigation was conducted, violating my rights under this section. 

Use of Generic, Non-Responsive Letters : The repeated issuance of form letters dismissing my disputes violates FCRA XXXXi ( a ) ( 2 ), which requires that disputes be handled individually and thoroughly. This pattern suggests non-compliance with required dispute handling procedures and an unwillingness to properly address consumer concerns. 

Failure to Provide Verification and Documentation : As outlined in FCRA XXXX, the credit bureau must maintain accurate information and provide supporting documentation when requested. Despite multiple requests for verification of the disputed accounts, including proof of the alleged debts, the bureau has failed to provide any supporting documentation or evidence. 

Continued Reporting of Inaccurate Information : The accounts in question continue to be reported inaccurately, despite clear evidence to the contrary. This persistent reporting of erroneous information violates FCRA XXXX ( b ), which mandates the highest standards of accuracy in credit reporting. 

Requested Resolution : Immediate removal of the inaccurate accounts from my credit report. 
A full explanation and documentation regarding the investigation process into my disputes. 
Compliance with FCRA and Metro 2 data standards for accurate credit reporting. 
A formal acknowledgment of these violations and corrective measures to prevent future issues. 
Supporting Documents : I have attached copies of : My original dispute letters were sent to the credit bureau. 
The generic and dismissive responses received. 
The failure to comply with the FCRA not only undermines my creditworthiness but also represents a broader issue of neglecting consumer rights. I urge the CFPB to investigate this matter thoroughly and ensure that the credit bureau adheres to its legal obligations under federal law.
Product: Mortgage

The reason for this continue complain is that this mortgage company does NOT DO WHAT THEY SAID!, this stars back in XXXX, when I became XXXX XXXX XXXX XXXX which I did not know it was XXXX, in XXXX or XX/XX/XXXX, the mortgage company CALL ME, and stated that if I was struggling financially they had a FORBEARANCE PROGRAM, that I could hold on the mortgage payments and the payments WOULD BE ADDED AT THE END OF THE LIFE OF THE MORTGAGE. I did accept it because I was having financial difficulties and was paying {$1500.00} in co-payments for my wife and I XXXX XXXX XXXX XXXXXXXX, at the same time my son lost his job who also was helping me. 
However, during the same time I began to submit paperwork to restructure the mortgage because the interest rates were lower than the 5.25 % I was paying. I submitted the paperwork and according them I was always missing something, I called them, and asked what was missing and submitted. A year and some months later I recieved a letter to pay the whole balance in one payment or three ( 3 ), I told them that they said it was going to be added at the end of the life of the mortgage, they never gave me a straight answer. Now that I recieved my XXXX  XXXX payment I can pay the monthly mortgage, I spoke to a customer service person who stated that I could send in the payment or partial payments. I did as she stated 2 years back and the second or third time I sent in the payment it was sent back to because they put a foreclosure on XXXX, XXXX Vets. 
ALL DURING THIS TIME UNTIL NOW I HAVE SUBMITTED A MITIGATION PACKAGE AND XXXX REFINANCE MY HOME TWENTY SIX ( 26 ) TIMES, I have mail it, fax it, e-mail it, signature return receipt, and according to them there is always a paper missing. 
Congress passed a law for us Veterans ( XXXX ) for those who are in danger of losing the home. I asked them about it so they can give to the VA Adm. to handle my mortgage but do not do it. 
Even though I have submitted paperwork 26 times and Saturday I recieved another Package to fill out and send to them ( NUMBER 27 ), I have two E-mails from XXXX XXXX and XXXX XXXX from them stating that they HAVE RECIEVED ALL THE PAPERWORK and sending it to be processed. The following month I got a call to re-submit the paperwork. 
I HONESTLY BELIEVE THAT THEY ARE ALLOWING TIME TO GO BY SO I CAN LOSE MY HOME. I NEED HELP!!! 
My wife is XXXX with many XXXX and XXXX XXXX, I am also XXXX with XXXX, XXXX, XXXX, XXXX XXXX XXXX and many other XXXX. 
I can not lose my home, this mortgage company is NOT doing thing in good faith. 
Someone needs to really look into how they are doing things, this IS VERY DISHONEST and they do it because I do not have the power to confront them. 
I thank you for helping us keep our home!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Laws section 605b, they should be blocking or removing these from my report. 

XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX
Product: Student loan

A few years ago, I was trying to remove my co-signer from my current loans. The individual was working towards building a home and I wanted the process of obtaining a mortgage to go smoother for them. I contacted my loan provider to look into the process. I was told that 2 consecutive years of on time payments were the only requirement for having a co signer removed. I have more than 2 years of solid on time payments and was emailed the proper request form to have my co-signer removed. Shortly after turning in the completed request form, I received an email denying my request for co-signer removal. When I called and questioned why I was denied, the reason I was given was " due to my particular type of loan, I can never have my co-signer removed. '' I requested more information from the company in regards to " my type of loan, '' but never received any additional information. I 've had other issues towards the beginning of my loan repayment with trying to go on income based repayment plans, lowering apr %, or just findind a way to lower my monthly payments entirely. 12+ % has crippled my ability to repay at the high monthly payments. I have been paying this loan off for over 9 years and have barely made it to the half way point. The only option that was given to me was deferment. I 'm concerned that the company is refusing to work with me on my loans due to my issues of obtaining a co-signer when I was initially signed up. I was XXXX at the time and my parents were not accepted as a co-signer. My current co-signer was also initially rejected. Overall, I 'd like an explanation as to why I am so gridlocked with this loan and why information is not being provided to me in an accurate manner.
Product: Credit card or prepaid card

I am filling a formal complaint and notice of Pre Arbitration with Synchrony Bank they have breached their own contract and have provided false and misleading information. I have placed a dispute with Synchrony Bank about their fraudulent activity and have not received any resolution to my dispute. Instead they have CHARGED-OFF the following accounts Old Navy Account without notice and reported negative remarks, TJ Maxx they lowered my limit my account and than closed the card which lowered my credit score with a closed account. Care Credit account they lowered my credit limit without notice have reported this negative account to the consumer reporting agencies. This is a clear breach of contract. Within their Dispute and Arbitration Agreement, it states that all claims arising from or relating to this Agreement and or Loan must be resolved by binding arbitration. Syncrhony did not do this, they only charged-off my account and did not provide notice of such changes to my account. Pursuant 15 USC 1681a ( 2 ( b ) ), a charge-off account should be excluded from a consumer report and reporting a charge-off is a fraudulent reporting of an account. Reporting a charge-off is illegal because it is income and income is not reported to a consumer report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that this charge-off account should have never been reflected to my consumer report, which is identity theft. Please take this complaint as a pre arbitration notice that I am taking before I file a complaint with the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$35.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX ; XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Checking or savings account

This is in direct reference to Complaint XXXX against Synchrony Bank that was closed with an inadequate explanation. I provided feedback but I believe my feedback deserves re-submission as a complaint. When you review my complaint you will see that it concerned Synchrony 's deceptive handling of my CD account regarding their funding period and the rate lock terms. In their response, they cited compliance with their agreement as the reason for their denial of my complaint. They provided a copy of their agreement which DOES NOT address my situation. Their agreement does NOT specify when the rate is locked. They changed their rate on the account during my funding period, but did not give me the higher rate because I had funded early in the period and they increased the rate towards the end of my funding period. My understanding of Synchrony 's practice was that the consumer would get the highest rate being paid during their funding period, which I did not. Synchrony advertised their CD promotions with a " hurry while it lasts '' theme, even though they have frequently increased their rates. Being very frustrated over the lack of clarity in their terms and the awful customer service responsiveness, I long ago requested that the CD be closed without penalty and the funds returned to the source, which was my savings account with them. Their murky terms and advertising approach is very deceptive to consumers, and resulted in me being locked into a rate far below the market. They have cost me and I am sure many other consumers ( particularly seniors like myself ) a lot of interest earnings. At this time, I am asking the CFPB to look into this further and ask Synchrony to clarify how their terms specifies their practice on the locking of the CD rate and how the funding period relates to that. Because of this confusion and shady practice, I am again asking that Synchrony close my CD with accrued interest and NO penalty, and return the funds to my savings account. I also think that the CFPB, in the best interests of consumers, compel Synchrony to stop this deception and at least make me somewhat whole by returning my principal and accrued interest without penalty. Even with thos remedy, they still have enjoyed the benfit of my deposit while having paid a rate to me that was still far below the savings account rate that they began paying on their savings account shortly after I was " locked '' into this under market CD. 
It is a violation of trust that Synchrony conducts business in this manner during these difficult financial times, again, especially for senior citizen consumers who desperately need the best interest income that they can get. 
THANK YOU, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was from XXXX its too old to be on my report, plus in XXXX it was removed as inaccurate they are trading it back and forth from myself to my ex husband fraudulently it needs to be gone now its ov er 7 yrs old
Product: Credit reporting or other personal consumer reports

Hello Equifax, I am a victim of identity theft someone has been using my information to open fraudulent accounts. attached below is my report along with my letters and identification. I am asking that you review it thoroughly.
Product: Checking or savings account

XX/XX/XXXX charges {$1200.00} and {$1000.00} for an Acura/withdrawal have not been debited back into my account. Bank had to close the bank account and open a new checking account but the funds have not been transferred over. 

See attached transaction
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly updated. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Consumer Loan

I opened a wells Fargo loan at XXXX XX/XX/2016. Never made a late payment and usually paid more than the minimum payment amount. 
On XX/XX/2016 I received a vague unsigned letter from Wells Fargo Executive Office stating that due to risk my account has been closed. 
This action negatively affected my credit score. 
In XX/XX/2016, My wife and I closed our Wells Fargo checking and savings account siting Wells Fargo corporate ethics as the reason for closing our accounts. I believe that this current Wells Fargo negative action is retaliation to closing our checking and savings accounts with them.
Product: Money transfer, virtual currency, or money service

I have been trying for weeks to get XXXX $ out of my Coinbase account. I can not link my bank or XXXX accounts for withdrawals, only deposits, which is very strange. 

Ive reached out to Coinbase on their X support page multiple times since XX/XX/XXXX, that was my first attempt. The support agents handling this issue have not provided me with an alternative method, solution, or explanation. Only to say I need instant verification which can only be provided with a linked bank account, which they can not process
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is being reported on my credit. this has caused major delays on my credit profile. looking over all data these items have been illegal reported an a action of fraudulent items reported to my credit report. please review an remove all listed items to help clear my file asap.
Product: Debt collection

I have paid the debt to XXXX XXXX XXXX XXXX ( receipt attached ) paid though Vericred Solutions LLC. I do not owe. They placed a balance on my credit report which I was told would be removed. I have requested multiple times for them to remove this debt from my XXXX  credit file. I have completed many disputes and attached the receipt paid. I would like this information removed from my credit file because I have paid this debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inquiries listed on my credit report, which I did not authorize. Additionally, I believe that these inquiries are not being reported in compliance with the Metro 2 standards.

Upon reviewing my recent credit report, I noticed several inquiries that appear to be unauthorized.

Furthermore, I have concerns that these inquiries are not being reported in accordance with Metro 2 compliance standards. Proper reporting guidelines as per Metro 2 require accurate and complete information regarding the type of inquiry, date, and other pertinent details. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was approved for an Apple store card on XXXX at XXXXXXXX XXXX MST, the very next morning I received a promotional email stating new Apple Card users that spend {$75.00} at XXXX stores on their new Apple Card before XXXX within 30 days of opening their Apple Card would receive {$75.00} cash back. In their fine print that i discovered it says only on new accounts opened on XXXX thru XXXX which is very misleading as the email offer states only that it must be purchased before XXXX and within 30 days of opening the account, which my account wouldve qualified for. Its false advertising and the fact that they sent me a promotion to my email for which I was already approved for the account the very next day, a promotion that I wasnt eligible for, is a total bait and switch and if people approved the day before like myself hadnt sought out the fine print, they wouldve made an unnecessary {$75.00} purchase to take advantage of the promotion only to discover they wouldnt receive the {$75.00} cash back. The promotion and the fine print are contradictory and misleading.
Product: Credit card or prepaid card

When applying for any credit product with Comenity Bank, I keep getting the same letter claiming my credit report has a freeze. One letter today in the mail states that I have too many inquires within the bank itself and they used XXXX, but XXXX is LOCKED and that is false information. I have enclosed all the supporting documentation.Also when calling any of the numbers on the letters from my number I get a recording that I am not authorized to contact that number.So how can I contact my creditor if they have the number blocked? A copy of that recording is enclosed too.I contacted the bank on a different line today and the representative said that my credit file has a freeze, which it does not. She said to wait XXXX days after contacting the credit reporting agency and re-apply. This same thing has been going on for over 7 months, same letters, same calls, same answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed a collections I didnt not recognize. I contacted the collection company and they were unable to provide the original information. The collection was taken off my credit report. Today it reappeared and my score dropped XXXX points
Product: Credit card or prepaid card

I HAVE A WALMART CREDIT CARD WITH XXXX   INSURANCE. I SUBMITTED A CLAIM USING MY PERSONAL MEDICAL INFORMATION XX/XX/XXXX. MY DOCTOR WANTED TO CHARGE A FEE THAT I CAN '' T AFFORD DUE TO MASSIVE MEDICAL BILLS. THE PERSONAL MEDICAL INFORMATION SUBMITTED CONTAINED ALL PERTINENT DATES OF MY XXXX. CARD SECURITY ( XXXX INS. ) CLAIMED MY CLAIM WAS INCOMPLETE BECAUSE THEY NEEDED A DATE FOR RETURNING TO NORMAL ACTIVITIES. MY XXXX IS ON-GOING. I HAVE XXXX XXXX AND I AM STARTING XXXX XX/XX/XXXX. THE QUALIFICATIONS FOR FOR THE CLAIM IS : XXXX  THAT LASTS MORE THAN 90 DAYS. TO FILE WITHIN A YEAR OF DIAGNOSIS, TO BE UNDER A DOCTORS CARE. 
THEY HAVE NOT PAID MY DEBT CANCELLATION INSURANCE INSURANCE AND I KNOW THAT I QUALIFY. I HAVE NOT HEARD FROM ANYONE SINCE THE CLAIM WAS SUBMITTED.
Product: Credit reporting or other personal consumer reports

I notices some fraudulent inquires on my credit report that i did not authorize. i reach out to you on XX/XX/year>. i did get a response saying that everything was deleted and these inquires are NOT on my credit report. so i had my credit report pulled again and is still showing the inquiries. please remove them immediately i will be uploading the credit report to support.
Product: Checking or savings account

To Whom It May Concern at the CFPB, I am filing this complaint against Navy Federal Credit Union ( NFCU ) regarding unfair and unclear overdraft fee practices applied to my account. 

Navy Federal applied an overdraft fees ] to my accounts. I believe these charges are unwarranted and stem from practices that are either unfair, deceptive, or not properly disclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced many issues with XXXX who now has my former XXXX XXXX XXXX loan. The first issue was a loan I had on a second residence, when the economy turned bad I had asked lender if possibility of rate reduction since I had never missed a payment, I was told only way to reduce anything was for me to miss a few payments before modification could be started.And if I did n't lender would move to repo department for repo process, lender was very aware I had not missed payments prior to me telling them my business was in trouble asking for assistance. In the end I brought a buyer for my home and was told loan would show on credit as paid in full as if I paid it in full. That loan is not reported properly on my credits, and now i find out after a phone conversation on XX/XX/XXXX with XXXX that my current home loan with XXXX  XXXX # XXXX is reporting past due payments on all credit reports. XXXX told me in XX/XX/XXXX this was fixed and now we find out nothing has been done. I received an email at XXXX XXXX XXXX on XX/XX/XXXXafter my call the previous day stating loan never late, Header on letter says VERIFICATION OF MORGAGE. To date my current home loan has never been late. Due to this issue I am not able to move forward buying my new home. This company is a BULLY and I ask for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I submitted a dispute with Experian regarding XXXX. However, it has been well over 30 days and I have yet to receive a response from Experian regarding my dispute. This delay is causing me undue hardship and is hindering my ability to reach my financial goals. As a result of this delay, I have been unable to secure the financing necessary to start my business. This has been a major setback for me and has caused significant stress and frustration. I urge Experian to comply with the Fair Credit Reporting Act and respond to my dispute in a timely manner. I am requesting that Experian provide me with a written explanation of the investigation and resolution of my dispute within 15 days of receipt of this letter. Additionally, I request that any inaccuracies be removed from my credit report immediately. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX