23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX Bankruptcy Ref # XXXX, have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX, THE following items do not belong to me and is a result of fraud that I did not authorize : Acceptance now.
Product: Credit card or prepaid card

Hello. This is in regards to XXXX XXXX XXXX charges from Citibank that were charged on my card every single month since the year XX/XX/XXXX without my permission. I never enrolled in this program and did not authorize these charges. They have been robbing me every single month from XXXX. My request for a refund has been denied by their Executive Response Unit member by the name of XXXX XXXX. They are claiming that I enrolled in this program during a telephone call back in XX/XX/XXXX which absolutely false. I contacted XXXX XXXX several times to request proof of this telephone call of my enrollment, leaving him several messages ... .still to this day did not receive a callback from Citibank XXXX They are refusing to refund my money and will not cooperate in any way. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been disputed on several occasions since early XXXX. XXXX, XXXX and XX/XX/XXXX this XXXX XXXX Account has been disputed with Equifax. The account comes back verified, but I am not provided any information as to how the account t has been verified. I have reached out to the company XXXX XXXX in several occasions with no success on any resolution. XX/XX/XXXX the XXXX XXXX  account was challenged through equifax to provide verification. They opened the account, when the account has been closed since XX/XX/XXXX and then closed the account.
Product: Payday loan, title loan, personal loan, or advance loan

I had multiple loans through Affirm that were charged off. I paid all but one, which was charged off and sent to the collection agency XXXX. When I tried to pay it or mention it to XXXX, they said they had no record of it, even with the loan ID. They told me to contact Affirm, but Affirm said they sent it to XXXX and could not help. It became a back-and-forth, each company telling me to contact the other. It only shows up on XXXX, so I've disputed it three times, but my requests were denied. I contacted Affirm support three times between XX/XX/XXXX, and XX/XX/XXXX. Each time, they said they would investigate and resolve it within 35 business days. Each time, I had to re-engage the conversation to get updates. After my third request for an explanation, I received no timeframe, and it has been seven days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an open auto loan with TD auto finance company that has been paid off. However, before it was paid off, my XX/XX/XXXX payment was marked as 30 days late when the payment was called in on XXXX XXXX While on the call the recording stated that the call was being recorded and towards the end of the call I was asked to speak my name again for the recording then the payment was completed. I received a call from Td a short time afterwards informing me that my account was 30 days late. I informed them that Id made my payment but after checking with my bank I was informed that they never withdrew the payment. I immediately made another payment to Td. I asked if they could pull that recorded to call so that they would know the error was on their end. The representative then informed me that although the recoding says the call is being recorded, it only records if you speak to live agents so they wont be able to listen to it resulting in the 30 day late mark remaining on my report. I am in the process of purchasing a house and this late pay marking has been detrimental to my credit. I have any control over TD Auto phone system. Nor was i aware that they were obviously having phone issues as a consumer. I am requesting that the call be listened to ( which will prove the error was on Td part ) and that my evidence of the 5 minute call be reviewed on my billing report from XXXX
Product: Credit card

There was an overpayment on my credit card of over {$12000.00}. I have continued to use the card so that credit has gone down to about {$10000.00}. I have called citibank 5 times over the past 2 months and they keep telling me the refund is under review or that a supervisor needs to review the refund before it can be refunded.
Product: Credit reporting, credit repair services, 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 TrasUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this 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 and delete it immediately in my report : XXXX XXXX  XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I have received inquiries on my credit report that are fraudulent and want them removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Attn : Equifax, XXXX, XXXX My name is XXXX XXXX I have provided you with the following items I have listed below that your company is reporting inaccurately. I look to place all accounts as fraudulent accounts. I am a victim of identity theft. I have been affected by the credit breach. I have attached a letter, copy of the FCRA where the credit bureaus and creditor violated me by going on to my credit file and reporting inaccurate accounts on my credit. False Pretense in the act of being the consumer and not getting any consent from me to open up my credit report.
Please take this documentation I have provided as a dispute and an affidavit. Contact me at number i have listed and please add my mobile.
Inquiries : XXXX XXXX  XX/XX/15 Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Thank You XXXX XXXX XXXX 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, I submitted a written request to XXXX to report the most up to date information about my loan statuses to all XXXX  credit report agencies. No changes have been applied my credit reports and I have not received a response from XXXX. XXXX stopped reporting to all XXXX  credit reporting agencies in XX/XX/year>. I have made several payments that are not reflected.
Product: Credit card

COMPLAINT American Express provided me with false information in selling me a new credit card product. In XXXX 2016, I called American Express to close my XXXX Card account, because I did not feel I was getting enough value to justify paying the annual fee. The representative encouraged me to replace it with an XXXX Card that has no annual fee. I explicitly asked if the XXXX Card would be on a new credit line - which I did not want to open - and the agent said it would be the same credit line. A few months later, I discovered that the agent had given me false information and the XXXX card was opened on a new credit line. 

ATTEMPTS AT RESOLUTION XXXX/XXXX/16 : I called American Express and an agent explained to me that it would not have been possible to transfer the credit line from the XXXX Card to the XXXX Card, because the XXXX Card is a charge card and the XXXX Card is a credit card. I responded that I understood his explanation, but that the agent who sold me the XXXX card back in XXXX had given me incorrect information on the matter. The agent on the phone told me he would open a case and that American Express would review customer service tapes of my XXXX conversation to see if my description of the conversation accurate. I asked for a case number and he said there was none, but if I called back, anyone would be able to see the note on my file. 

XXXX/XXXX/16 : I called to followup on my case and spoke to a woman named XXXX, who said there was no record of my case. She initially offered to resolve the case by offering me a credit limit increase, which made it seem like she did not understand the difference between a credit line and a credit limit. Finally, she opened an internal dispute file for me. 

XXXX/XXXX/16 : I called to followup on my case and spoke to a woman named XXXX, who said the inquiry was still in progress and had a target completion date of XXXX/XXXX/16. I asked to speak to a supervisor and XXXX connect me to XXXX, who asked if an acceptable solution would be cancelling the account and wiping any evidence of it off of my credit report, as if it never happened. I said that yes, if they could do that it would be the ideal solution. He said he would put a note on my account requesting that, and also requesting expedited service, but was n't sure if it was possible. 

XXXX/XXXX/16 : I called to followup and spoke to a man who said the inquiry was still in progress, but that XXXX ( i.e. today ) was the deadline and they would get back to me shortly. He suggested I call on Friday ( XXXX ) if I did n't hear anything. 

XXXX/XXXX/16 : I called to followup again and spoke to a woman, who offered me a credit limit increase. Again, I had to explain that this was about Amex opening an additional credit line that I did not want, not about credit limits. I asked to speak to a supervisor and was connected to XXXX. He put me on hold while he reviewed the case. I waited a long time and eventually the call was disconnected. I called back and spoke to XXXX, who said Amex was still working on the inquiry, but could n't tell me when they would resolve the case by.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and concern regarding the persistent inaccuracies on my credit report. Despite numerous attempts, I have been unsuccessful in correcting late open accounts and removing a public record, which is affecting my creditworthiness and causing undue stress. 

I have made numerous attempts to correct these inaccuracies by following the proper dispute procedures. However, the corrections have not been implemented, and these inaccuracies continue to adversely impact my credit profile. 

I understand the importance of an accurate credit report and the impact it has on my financial well-being. I am requesting an urgent and thorough investigation into these matters, with the following expectations : I have attached supporting documentation, including Driver 's License and Proof of Blilling.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies in a timely manner. 

I request that you conduct an expedited investigation into these matters and provide a written response, outlining the results of your investigation and the actions taken to correct the inaccuracies. I am asking for your assistance to correct these late open account and remove the public record in my credit file : XXXX XXXX XXXX Balance Owed : {$2000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX XXXX Balance Owed : {$950.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP..
Product: Credit reporting or other personal consumer reports

I have contacted the listed creditor to provide proof of consent without successful response from them.

According with the Fair Credit Reporting Act this creditor has violated my rights.

Under 15 USC 1681 section 602 ; I have the right to privacy. 15 USC 1681 section 604a section 2 which states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I find that the creditor has violated all of the laws stated above. I request that their reports be removed from my credit report immediately.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union for multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to a latency in posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal for similar practices. I am requesting an investigation into my account.
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, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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, credit repair services, or other personal consumer reports

My discover account was closed over 7 years ago ( 2013 ) and I have disputed it on all the credit Bureaus. Most removed the account. XXXX  has not and instead discover is now negatively impacting my credit with added late payments each month. The company never got in touch with me in over 7 years and had it marked as a charge off/ profit loss the entire time causing me to be denied for several opportunities based on credit worthiness. Not to mention that it was wrongfully out that amount to begin with. After making one payment with my fathers bank account, of which he reported as fraud, they then Removed every payment i had ever made putting a XXXX dollar credit card at XXXX debt. Now its time for it to be removed from credit report entirely and instead they are adding even more negative impacts.
Product: Credit reporting or other personal consumer reports

i was informed XXXXXXXX XXXX  was still showing on my report as 152 % of credit being utilized so I called they then gave me a name and number of XXXX XXXX XXXX who told me it was indeed paid in full but they do not report to the credit bureau only XXXX does but also informed me that In paid a company call XXXX for the account and informed to call that company at XXXX but that company number is not correct and the internet does not have an updated number for me to reach them, I then called Equifax explaining the situation they told me to call back XXXX whom did nothing for me except call back to XXXX XXXX to provide me with the same exact bad phone number all over again when I asked to personally speak to a supervisor I was denied that please help me rectify this I have been paying excessive interest rates for 3 years due to this and just got denied a loan because of it
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT ARE REPORTING TO MY EQUIFAX CREDIT REPORT AS FRAUDULENT. IT IS IN THE ATTACHMENT CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting

We moved on XX/XX/2015. Connecticut XXXX XXXX ( XXXX ) erroneously applied payments for the gas account of our new home to the gas account of our former home. In XX/XX/XXXX we received a bill that our account was past due despite our making payments in full. When I called XXXX to find out what was going on, they realized they applied our payments to our old house 's account, not to the new house 's account. XXXX reversed the late charges and applied the payments to our new home 's account, and we actually ended up with a credit on our new account. The XX/XX/2015 statement I shared with Experian shows payments in full in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, a reversal of the late charges, and even a balance on our account as we overpaid the bill. Experian refuses to remove the 60 day late flag from my account, despite the fact that my payment was never late. XXXX received my payment on time, they just applied it to the wrong account. Attached is the XXXX statement showing a balance of {$17.00}, due XX/XX/2015. ( Paid XX/XX/2015 ). The XX/XX/2015 statement shows a {$120.00} balance, due XX/XX/2015 ( Paid XX/XX/2015 ). The XX/XX/2015 statement shows a {$160.00} balance ( Paid with credits from our old account ). When I called XXXX on XX/XX/2015, they realized they had applied our payments to the old account. The XX/XX/XXXX statement reflects payments of {$76.00} on XX/XX/2015, {$120.00} on XX/XX/2015 and {$34.00} on XX/XX/2015. Based on the payments applied to the wrong account, it is clear we made our payments on time, and the error lies with XXXX. Experian refuses to remove the 60 day late flag from my account, despite the evidence showing we were never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is reporting as factoring for an account sent to collections. It also has incorrect payment history. The account was opened on XX/XX/XXXX the last payment on the account was on XX/XX/XXXX. XXXX is reporting the last payment date of XX/XX/XXXX which is inaccurate. Additionally, the charge off has been reported in XX/XX/XXXX which is inaccurate and intended to re-age! Previous reports prove the Charge off occurred in XX/XX/XXXX.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and other incoming deposits. 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: Student loan

I am writing to file a formal complaint against Heartland ESCI for their horrendous loan servicing practices. Despite my loan being three years past due, Heartland ESCI failed to make any attempts to contact me or send me an invoice until this point. I was shocked to receive such an overdue notice, having never received any communication from Heartland ESCI about the loan. 

Since then, I have made numerous attempts to rectify the situation with the XXXX XXXX XXXX  and Heartland ESCI. While Heartland ESCI has put the loan in forbearance, they are still claiming that I owe the past due fees. I strongly disagree with this claim, as under the circumstances surrounding the COVID-19 pandemic, the loan should never have gone into repayment to begin with. 

I find it unacceptable that Heartland ESCI has taken such a negligent approach to servicing my loan. Not only has their failure to communicate with me put me in a difficult financial situation, but their insistence on charging me past due fees for a loan that was not supposed to be in repayment has only exacerbated the problem. 

I am filing this complaint with the consumer protection board in the hope that they will investigate this matter and take appropriate action to ensure that Heartland ESCI is held accountable for their actions. I urge the board to thoroughly investigate this matter and to take any necessary steps to protect consumers from similar practices in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX