23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I have had this loan for over five ( 5 ) years and have consistently made my payment of {$690.00} on time. Due to COVID 19 i was laid off from my jod since XXXX and have not received any unemployment insurance payments though i applied. The Lending clum put me on a payment plan where i was paying {$130.00} each month. i have been paying it. The XXXX payment they said was made one ( 1 ) day over the grace period hence i miust pay the full payment. I can not make the full payment and i told them that. I asked for a supervisor and was told one would call and no one has called except customer service asking for money and threatening to report negative to credit bureau.
Product: Credit card

Synchrony closed my Lowes and Care Credit accounts because I didnt immediately use them, thus lowering my credit score. They closed my Sams Club card because they claim my score dropped. It dropped because they closed my accounts. My Sams card would be paid off in entirety every month. They reduced my credit limit on my Venmo card and PayPal because my score dropped. Score dropped because they keep closing accounts. Everyone has this complaint. If you have XXXX balance or pay off your credit card in one shot, they close your accounts. This is wrong. Its always the same standard answer they give you. They routinely check your credit and do what they want to do with your account whether you have excellent credit and pay off your balance or not. How is this allowed?? They are playing with peoples lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account 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 instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit card

Bank of America drafted twice my automatic payment for my XXXX XXXX XXXX and now they have blocked my account and they are taking XXXX days to return my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

An account that was discharged via bankruptcy from XXXX has somehow found its way into a new collection agencies hands ( National Credit ADJUSTORS ) and has now become present on  my credit reports as a collection as of XX/XX/2020. This new collection account is LOADED with inaccurate information, contradicting information, ( ex : XXXX  has the account showing as discharged via bankruptcy, and this account has been allowed to pop back up as a collection while still showing its discharged??? ) Furthermore the dates, amounts, source etc. are all wrong! XXXX  dispute was useless and in the reporters favor and havent provided me a stitch of proof or evidence. This company has also failed to make any attempt to contact me by any means and instead decided that they would just report this frivolous inaccurate account. I want it deleted immediately. This is grimy practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Congress states : Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Under the FCRA, a states actual damages for violations of the FCRA if they were committed willfully and knowingly and if they happened because of negligence. Consumers can receive damages if there is a violation of the FCRA, whether the violation was intentional or not. The damages that a consumer may receive are not subject to any limit ; however, damages are generally between {$100.00} and {$1000.00} without any proof that the consumer suffered harm from the violation. These derogatory reports have negatively impacted my way of living and XXXXXXXX XXXX Account in question is US Dept Of EdXXXX XXXX # XXXX. The account is illegally publishing derogatory and inaccurate information on my consumer report.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house, but then I realized that I had damages on my credit report. According to the XXXX XXXX XXXX law there should not be any damages on my report. it is a defamation my character. 

I am wanting to dispute these inquiries to be deleted because I did not authorize these companies to run my credit, they are fraudulent.
Product: Vehicle loan or lease

On XX/XX/XXXX of XXXX I made a payment for XXXX dollars on my car note for the month of XXXX and XXXX. My car note is XXXX per month. In XXXX I had a late fee waived for {$50.00} well I thought it was waived. But when I signed to view my account today my bill is XXXX they kept the XXXX dollar late fee and added an additional XXXX late fee. On XX/XX/XXXX I spoke with someone about my pay off amount and late fees. I was told the late fees would be removed and I was also told my payoff amount was higher than what I was told back in XXXX of what my pay off amount is. I can never get a XXXX on the phone and they have no one there that speaks fluent XXXX. I just spoke with someone and the lady told me they have a new policy where they can only waive XXXX fee per year. I asked her can I get that sent to my email or where is it on the site about that policy because I have had my car since XXXX and never heard of this. So my request was never granted because I had a late fee removal back in XXXX! Even tho this is an entirely new year this just doesnt make since to me I feel like they are stealing from me and no one is confident when you speak to them over the phone its almost as if they dont even know there job they basically are telling me the same thing I can see on my end from my account. Im being lied to and Santander USA are definitely stealing money from me
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous dispute regarding an inaccurate negative account on my credit report. Despite my initial dispute, the negative account in question remains on my report with your bureau. This is both unacceptable and inexcusable.
Product: Debt collection

Mortgage servicers engaged in real estate mortgage backed securities fraud. 
This complaint is a request for competent documentation on all dates of endorsements of the original note, and all assignments of mortgages recorded or unrecorded that were created by loan servicers from date of mortgage to date of this complaint. 

Please see attached assignment of mortgage ( exhibit B ) which is dated and notarized on XX/XX/XXXX which states ( assignor ) XXXX XXXX XXXX XXXX by its attorney in fact XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX. 

( Assignee ) XXXX XXXX  XXXX XXXX XXXX, as XXXX XXXX  XXXX XXXX XXXX XXXX Mortgage Asset backed pass-through certificates, series XXXX QA2 c/o XXXX XXXX XXXX XXXX XXXX 



Shellpoint that is claiming servicing rights needs to explain ( exhibit B ) assignment of mortgage.

Shellpoint needs to respond to my qualified written dispute letter ( Exhibit c ) in response to their validation of debt notice dated XX/XX/XXXX ( exhibit A ) received XX/XX/XXXX. 



Shellpoint Is engaging in mortgage backed securities fraud which is a federal crime and needs to be investigated. Will be reported to the securities and exchange commission.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding Multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against NAVY Federal for similar practices where transactions settle with insufficient balances despite initial available funds. I believe these practices are unfair to a hard working mother and would like to request an investigation into my account transactions.
Product: Mortgage

I am contacting you again as a taxpayer you are pretty XXXX worthless to us if you just let the bank give us the same XXXX after 45 days which is what you did ... .the flagstar is stealing from me and this scam is right in front of you and my XXXX government protection must be in bed with flagstag because you clowns are like yeah ok flagstar XXXX you ... merica ... the government protection is just flagstar ... ..XXXX  tell me something and i am suing you XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports resulting from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX Account Number : XXXX ( TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ( TransUnion, XXXX, XXXX ) XXXX XXXX  Account Number : XXXX ( TransUnion, XXXX, XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ( TransUnion, XXXX, XXXX ) XXXX XXXX XXXX Account Number : XXXX XXXX TransUnion, XXXX ) Account Number : XXXX ( XXXX  ) XXXX XXXX XXXX Credit Card ( XXXX XXXX Account Numbers : XXXX ( TransUnion ), XXXX ( XXXX ), XXXX ( XXXX ) XXXX Account Numbers : XXXX ( TransUnion XXXX XXXX, XXXX ) XXXX ( TransUnion, XXXX, XXXX ) XXXX ( TransUnion, XXXX, XXXX ) XXXX XXXX Account Numbers : XXXX ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Account Number : XXXX ( TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ( TransUnion, XXXX, XXXX ) XXXX XXXX XXXX  XXXX Account Account Numbers : XXXX ( TransUnion, XXXX, XXXX ) XXXX XXXX TransUnion XXXX XXXX XXXX XXXX ) Under 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that these accounts were created and reported unlawfully, and I never provided consent for such reporting.

I have attached an identity theft affidavit and additional supporting documentation. Please ensure these accounts are removed from my credit reports immediately.

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address these violations promptly under 15 U.S.C. 1681i.

Thank you for your urgent attention to this matter.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to dispute hard credit inquiries from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly reinvestigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE DELETE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I write to demand that XXXX XXXX  investigate and respond to every complaint that I may make to the CFPB as filing false, misleading, inaccurate responses especially those to close XXXX XXXX investigations through concealment us a very serious matter much worse than willful FCRA violations. I complained to the CFPB that XXXX XXXX  was in willful violation of the FCRA by refusing to promptly report my 2 accounts as closed. Subsequently, based on newly discovered data about XXXX XXXX reporting my 2 accounts as OPEN to XXXX on XX/XX/2023, I filed another good faith complaint with the CFPB due to remedy the Facially False Data from continuing to appear. To avoid responding to my new complaint with pertinent information, XXXX XXXX summarily closed my second complaint XXXX XXXX to avoid response, to conceal the facts or avoid investigation. On XX/XX/2023, XXXX XXXX  mailed me the attached letter stating that it reported my accounts as closed. However, that is false as it reported my accounts to XXXX as XXXX on XX/XX/2023. The truth matters!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In acordance with the Fair Credit reporting act XXXX account XXXX XXXX account number : XXXX has violated my rights. This loan was paid in full by the coverage and purchase by another lender. They dont have the right to still reporting this account anymore. In addition to that they have a remark in each credit reporting agency as " paid in full and purchase by another lender ''. Also the debt was paid in full to the next company that purchased the loan. I have tried many times to contact this company XXXX XXXX XXXX to get this incorrect information out of my credit reports, but It has been unsuccesfull since 2018.
Product: Mortgage

Our service provider ( XXXX XXXX XXXX. ) placed us in a forbearance back in XXXX, due to my wife being laid off during the XXXX pandemic, and I was in the process of retirement from the military after serving XXXX honorable years of service. After becoming financially stable with a full retirement, and a XXXX XXXX XXXX XXXX XXXX, we requested to be removed from the forbearance status, and wanted to receive a streamline loan modification, which our servicer never did. The servicer advised us to fill out a loan modification application, which we did, but it wasn't approved due to missing documents. The servicer advised us again to fill out a second loan modification. This time, we did, but with the help of a third-party law-firm, which we also used to help communicate with our servicer. After months of submitting the loan modification, and waiting for a response from our servicer, the servicer finally sent us an official letter by mail, stating that our loan modification had been approved and that we would receive the loan modification package for signatures, which we sent back to them a few days later. We received the XXXX loan modification documents, notarized, and signed by both parties in late XX/XX/XXXX. Our first payment was scheduled for XXXX XXXX. We called on XXXX XX/XX/XXXX to make that payment, but we were denied the right to pay. XXXX stated, current signed loan modification which had already been approved and signed and sent to us for our official copy had been disapproved on XXXX XX/XX/XXXX, XXXX day before the first payment was to be payed. The servicer couldnt tell us as to why that loan modification had been denied on the phone, but again, they advised us to resubmit a XXXX loan modification. A week later, the servicer also placed us back in foreclosure status. After trying to understand what had happened, we reached out to the servicer again, and the servicer finally told us over the phone that we had been denied because of the XXXX We then wanted proof from the VA XXXX they were the ones who had denied the loan modification, so we acted on our own to reach out to the VA XXXX The VA told us over the phone, they had nothing to do with our loan modification being denied. The VA contacted the servicer in our behalf, and the servicer sent an email back to the VA representative stating, and I quote " This borrower was denied for the partial claim, due to our underwriting team inadvertently approving the borrower for the refund modification in error ''. We have the original notarized loan modification package from our servicer as proof that it was approved, and the VA email, showing the servicer blamed themselves, and a letter from the servicer, blaming the XXXX We have not yet received anything from our servicer on how to resolve the matter. The service had put us back in a foreclosure status for the second time and has now set an auction date for XXXX XX/XX/XXXX. We have hired a second lawyer, and the servicer will be served with a lawsuit for a breach of contract, and an TRO to help stop them from auctioning off our home and give us time for the servicer to come up with a resolution.
Product: Debt collection

The Bureaus Inc. had purchased a debt from XXXX XXXX that had already been paid. I disputed with XXXX XXXXXXXX about 8 weeks ago. They determined the dispute was valid and repurchased loans from The Bureaus Inc. about 5 weeks ago. The Bureaus Inc. Is still reporting on my credit report from XXXX and XXXX. I filled a dispute via XXXX at the beginning of this month, spoke to a customer service representative from XXXX whom stated, '' The Bureaus Inc have not sent for this account to be deleted '. I 'm in the process of purchasing a home, the tradeline from the bureaus, is avoiding the purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried from the beginning of XXXX to get some clarity of the negative public record reporting to my credit report. I have asked all three credit bureaus to validate the bankruptcy or remove it from my report. I have had no such luck, and only a bad credit reporting continuing to ruin my life.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Action Against TransUnion for FCRA Violations and Improper XXXX  Reporting Dear CFPB, I am writing to request urgent assistance with a matter concerning TransUnions repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ). I have disputed an incorrect XXXX record on my credit report three times, and TransUnion has consistently failed to conduct a proper investigation. Instead, they appear to be reusing the same results from previous disputes without investigating my claim as required by law. 

Here is a brief summary of the timeline : - XX/XX/scrub>XXXX  : I submitted my initial dispute regarding the incorrect XXXX information. TransUnion claimed to have investigated the matter, but the record remained unchanged. 
XX/XX/XXXXI disputed the same item again. On XXXX  I received an email from TransUnion stating XXXXhat they investigated the record and found no changes. The investigation was completed in less than 12 hours, which strongly suggests they reused the same results from the previous dispute without performing a legitimate investigation. 
- XXXXXX/XX/year> : I filed a third dispute. By XXXX I received an emailsent at XXXXXXXX XXXXstating that the public record remained unchanged. Once again, no proper investigation was conducted. 

This XXXX record does not belong to me, and despite my repeated disputes, TransUnion has failed to take the necessary steps to verify and correct this inaccurate information. 

Under the FCRA, TransUnion is required to conduct a reasonable investigation when a consumer disputes information on their credit report ( 15 U.S.C. 1681i ). TransUnions practice of using previous investigation results without properly reviewing my claim constitutes a violation of the law. Additionally, under the FCRA, they are obligated to notify the source of the information and review all relevant evidence I have provided, which they have not done in my case. 

I have also requested in writing that they provide the method and procedures they used to investigate my dispute, but they have failed to respond appropriately. 

I am seeking your assistance in holding TransUnion accountable for their ongoing violations and ensuring that this incorrect public record is removed from my report. If no action is taken, I am prepared to pursue legal remedies to protect my rights and rectify this situation. 

Thank you for your time and attention to this matter. I look forward to your support in resolving this issue. 

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

XXXX XXXXXXXX Address XXXX XXXX  XXXX, PA XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Mortgage Account Last Payment Made XX/XX/XXXX in accordance with the Fair Credit Reporting act 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
Product: Consumer Loan

I received several credit alerts through credit monitoring that there was negative info being reported by Ally. I called them and they said they were not reporting anything negative. After pulling the credit reports they show current status as " contact XXXX for status '' but with all payments through XX/XX/2017 paid as agreed. I also paid my XX/XX/2017 payment a week early. Creditors are considering this negative and I was declined by XXXX XXXX due to this as " too recent delinquency on existing auto loan ''. Why is this reporting that way? It also shows ( I believe ) there is a dispute by me? I 've never disputed this account. Please correct this and note the account is paid satisfactory.
Product: Debt collection

on XXXX/XXXX/2015, I filed an dispute with Portfolio Recovery Associates , LLC. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised Portfolio Recovery Associates to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised Portfolio Recovery Associates that not complying wit the FDCPA will put their company in a bad position with the CFPB. Portfolio Recovery Associates never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .Portfolio Recovery Associates sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.
Product: Debt collection

A Debt Collector called me and informed me I was late on my line-of-credit payment. I had no clue what she was talking about. I finally concluded that a checking account and a line-of-credit was opened in my name in a Sate I lived 20 years earlier and decided to no longer make payments. 
I could n't verify account info, because I had no knowledge of these accounts in the first place. I was assured that Fraud Protection would get ahold of me, but after 2 months I still have n't heard a thing. I 've made repeated calls back to get a phone number for them, but was told they ca n't. My credit Score has plummeted from the XXXX to the high XXXX - sole because of this issue. 
I have tried calling the Financial Institution directly from my Credit Report, but they insist the debt is mine. They will not furnish me with details on who has been receiving the account statement, how long they 've been making payments or what the actual account numbers are. 
I am at a loss here. I pay my mortgage on time, I pay my car payments and credit cards on time, every month and this account pops up and is wrecking my life. It does't even pass the logic test. 
Someone must be able to furnish me with more info - and someone needs to rectify this account on record.
Product: Checking or savings account

Bmo Harris advertised a XXXX bonus if I opened an online account and set up a direct deposit. I met those terms on my account that was opened on XXXX XXXX, 2017. I never received the {$200.00}. When I called an associate who only identified herself as XXXX said I did n't meet the terms and there is nothing she could do.