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

I set up my mortgage payments for auto pay on XX/XX/2018 Before I went out of town to visit my mother whom lives out of the country. On XX/XX/XXXX, on XX/XX/XXXX and again on XX/XX/XXXX to login to my online account to verify that my payments had posted but was unable to. I kept getting the message, " 500 Internal Server Error ''. I returned on XX/XX/XXXX to spend XXXX with my husband. I checked my accounts and realized that my XX/XX/XXXX and XX/XX/XXXX Mortgage Payments had not been drafted. I called United Wholesale Mortgage ( UWM ) immediately I left messages for two days prior to getting someone on the line. I finally was able to get through and brought my account current. The late payment now shows up on my credit report and my score dropped 120 points. I have been building up my credit to buy a vehicle so that I don't have to walk in the cold with my children. Now I can't qualify for the loan due to the drop in my score. I called UWM and they advised me that I needed to file a complaint. They agreed with me that it was a mistake but advised me that I needed to file a complaint in order to have it removed. My credit score was impeccable prior to this erroneous late payment reported on my credit. Please Help. I am distressed. Thank you.
Product: Credit reporting or other personal consumer reports

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed that a credit card that was paid in full after reaching a settlement with the company. Equifax validated the settlement but then added it to my credit report dropping my score 49 points even though this was already on my report. Equifax updated the dates to invalid dates making this appear recent on my credit report when in fact it was already closed and settled. Equifax needs to add the 49 points back to my credit as this seams like they are punishing me for reporting a dispute on my credit account.

This is a predatory retaliation for processing a dispute.
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 postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these transactions are unfair and request requested investigation into my account transactions.
Product: Checking or savings account

Bank of America ( " XXXX XXXX XXXX '' ) has my money and they will not allow me to transfer out of their XXXX checking account out because I do not have a debit card. I am, however, unable to order a debit card through their mobile app or online and have to call their below par customer service to do something very simple resulting in wasting my time.
Product: Credit reporting

Transunion is reporting XXXX XXXX three times on my credit report which is against FCRA. This account belongs to XXXX XXXX not XXXX XXXX and has been on my credit report since 2007 and not only did I not sign for this account, I never paid on this account and this account has been on my credit report almost 10 years and Transunion has the same XXXX account three times. XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX all all XXXX are the same account and that is against FCRA. Also, is attached a copy of XXXX application page with a signature, if XXXX XXXX compares it with my mortgage document which is attached, from my resident XXXX XXXX XXXX, XXXX XXXX, you cn see this is not my signature. Also, I attached m property tax document which shows the date I moved into my current residence,XXXX. Between the XXXX residences, it has exceeded 15 years and was not residing at the address on XXXX XXXX application. I have never signed, received documents from this organization or paid on this account. Please remove these frauduelent accounts from my credit report immediately.
Product: Credit card or prepaid card

Im an XXXX XXXX servicemember who has a Chase Sapphire Reserve Visa credit card. One of the benefits of that credit card is Auto Rental Collision Damage Waiver, which provides primary insurance coverage and reimbursement for up to {$75000.00} for collision damage for rental cars in the U.S. and abroad. That benefit is administered by Card Benefit Services. 

On or about XX/XX/2022, I initiated an Auto Rental Collision Damage Waiver Benefit claim ( # XXXX ) with Card Benefit Services in the amount of {$2400.00} to be reimbursed for rental car collision damage. To date, I have yet to receive reimbursement despite providing all required and requested documentation. 

Instead of processing and completing my claim, Card Benefit Services continues to request documentation that has already been provided. There has also been a clear, designed pattern of delay. Card Benefit Services state in emails that they will review supplied documentation within 5 business days and review correspondence within 2 days, however that does not occur. Additionally, " necessary '' documents were not initially supplied for completion of requested. It's as though there are different requirements for the claim each time I follow up on the status of the claim. 

My claim shouldve been paid out months ago. Card Benefit Services behavior is unacceptable, especially toward an XXXX XXXX servicemember.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off XX/XX/2022 I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking # XXXX  According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They stated my account were verified during an investigation demanded by CFPB Claim ( XXXX ) but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate Also this account is reporting without have been verified by the Experian bureau of my personal signature or identification 15 USC section 604 a section 2 : it also states a consumer reporting agency can not furnish my account without written instruction Experian broke the law and has 15 days to either provide My written authorization and the information concluded in this investigation or remove these Accounts XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have previously brought to lending club and experian and equifax attention the issue wherein generic validation letters are dispatched in response to disputes, rather than adhering to the requisite thorough investigation stipulated by the FCRA. This practice directly contravenes various sections of the FCRA, including but not limited to : Section 611 ( a ) ( 1 ) ( A ) : This provision mandates that consumer reporting agencies ( CRAs ) must engage in a reasonable reinvestigation to ascertain the accuracy of disputed information.

Section 611 ( a ) ( 5 ) ( A ) : This clause necessitates CRAs to promptly expunge or amend inaccurate, incomplete, or unverifiable information.

Section 611 ( a ) ( 7 ) : This particular section underscores that CRAs must furnish a written summary detailing the results of the reinvestigation to the consumer within five business days of its completion. 

These accounts were the result of identity theft so of course the information matches mine, BUT I am not the one who agreed, open, or used this company. Account : XXXX {$26000.00} Account : XXXX {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 2. The following status is Incorrect and unverifiable XXXX Account Number : XXXX Delete this account. 3. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please Delete this account. 
4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 6. there is some inaccurate information reporting. XXXX XXXX SERVICES Account Number : XXXX Please Delete this account.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to Credit bureaus today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Trans Union is violating my rights under 15 USC 1681 ( i ) Reinvestigation of disputed information ( A ) In general If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. Upon reviewing my consumer report, I noticed that several old addresses, employment records, and telephone numbers remain listed, despite my previous requests for their removal. This information is no longer accurate and could potentially misrepresent my current credit situation. The specific entries I would like to request for removal are as follows : Old Addresses : XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX I kindly ask that you review my account and take the necessary steps to remove this outdated information. I believe it is important for my credit report to reflect my current situation accurately.
Product: Student loan

During XX/XX/XXXX i requested a couple times to receive the school misconduct discharge application which I did eventually receive from XXXX. I submitted it around mid XX/XX/XXXX I got the acknowledgement it was denied based upon obscure reasons that according to the representative I spoke with only the committee making the decision knows the specific reasons for denial but no one else knows. 

I was informed I could appeal the decision and went to work gathering more info for my appeal. The next day I got notice my loans were going to be sent to Mohela XX/XX/XXXX. Approximately XX/XX/XXXX I submitted my appeal with a new application and detailed application to support my case. The email I received back said they would review it and will have a decision within 60 days. Only XX/XX/XXXX my loans switched to Mohela. There is about 10 days left for the decision to be made on the date Im writing this ( XX/XX/XXXX ) and I havent had any emails from XXXX, I cant communicate with them to inquire, and Mohela stated in an email that they havent heard anything from XXXX  ( understandable ) and XXXX  should respond with a decision. 

I believe XXXX  is going to attempt to just sweep my case under the rug and try to act like nothing was submitted for my appeal and wipe their hands clean of me without just consideration for my appeal. I justly believe my private loans qualify for their School Misconduct Discharge and I believe them to be avoiding my attempts to reach out to see how they are following through.

I appreciate your time in looking into this matter and I wish you a very good day and happy holidays coming up. 

Thank you, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions m

ay also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


Below are the accounts that I marked as inaccurate : XXXX XXXXXXXX XXXX XXXX Original creditor Last activity XXXX Balance $ XXXX  Monthly payment {$0.00} XXXX XXXX XXXX Original creditor XXXX Last activity XXXX Balance $ XXXX  Monthly payment {$0.00} XXXX XXXX Original creditor Last activity XXXX Balance {$3300.00} Monthly payment {$160.00} XXXX XXXX  XXXX Original creditor XXXX XXXX XXXX Last activity XXXX Balance $ XXXX  Monthly payment {$0.00} XXXX XXXX Balance {$10000.00} Limit {$0.00} Card usage 0 % Payment history XXXX late payments
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX - BALANCE {$0.00} Account Name : XXXX  # XXXX - BALANCE {$0.00} Account Name : XXXX  # XXXX {$340.00} Unauthorized inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, 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 : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX, and any late payments from merchants have violated my rights. XXXX - XXXX XXXX  XXXX  XXXX Balance - {$5.00}, this is incorrect. 

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.

why correct the information that I outlined and then not raise my credit score because I purposely targeted.

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods, undermine the public confidence which is essential to the continued functioning of the banking system. Inaccurate credit reporting can ruin XXXX citizens, lives and their livelihoods.

the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods, undermine the public confidence which is essential to the continued functioning of the banking system. Inaccurate credit reporting can ruin XXXX  citizens, lives and their lively hood.

Please delete and remove all closed accounts, late payments and loan accounts, that aren't valid from my credit report. 

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

In accordance with the fair credit reporting act. XXXX, XXXX, equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses do not belong on my credit report XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605b it is illegal t report information on my credit report without my permission, Thank you. Please remove this collection from my Transunion and XXXX Report. Account name XXXX XXXX with the Account number of XXXX for a balance of {$220.00}. 

On XX/XX/XXXX, I reached out to XXXX about the FCRA Sections 605B and they removed the collection from my XXXX account on XX/XX/XXXX. However, this collection is still appearing on my Transunion and XXXX Report. 

Please remove this collection from my Transunion and XXXX report with the account number XXXX and the Account name XXXX XXXX  Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want the following address 's removed from my account : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WI XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, WI XXXX 1960 XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX  XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX I either XXXX XXXX live there ( greater than 2 years or have never lived there )
Product: Money transfer, virtual currency, or money service

My mom sent 2 wires from her checking at HSBC to my checking account at XXXX XXXX twice, unsuccessfully, because she mistakenly used a retired/stale XXXX XXXX routing number ( XXXX ) notwithstanding the right account number. Rightfully, twice the amounts were bounced back to her HSBC account but each time {$50.00} was withheld ; in total a total of {$100.00} was docked, given 2 round trips. 
I would like to request courtesy waive and imbursement of the {$100.00} as it was an honest mistake and first time offense. However, neither sending bank ( HSBC ) nor receiving ( XXXX XXXX ) acknowledged that it charged the fee. Its a mystery case but {$100.00} is withheld by someone but neither is helpful in figuring out whom, simply directing me to the other. 
The two dates, out-going and bounced amounts were were ( statement also uploaded ) : 1st : XX/XX/2023, out-going wire = {$830.00} from HSBC ( returned XX/XX/2023 but only {$780.00}, {$50.00} lower ) 2nd : XX/XX/2023 out-going wire = {$780.00} from HSBC ( returned XX/XX/2023 but only {$730.00}, {$50.00} lower ) I called HSBC Customer Service and visited HSBC Branch ( at XXXX XXXX , even spoke to Branch Manager on XXXX ) and was told that the fees were not charged by HSBC, and directed me to XXXX XXXX. I called XXXX XXXX Customer Service and visited its branch ( at XXXX XXXX in XXXX XXXX on XX/XX/XXXX ) and was told XXXX XXXX did not charge any fee. In fact, the retired/stale routing number that my mom used wont accept any incoming wire ( or the amount would have been applied towards my account ) XXXX XXXX XXXX ( All other XXXX XXXX Offices XXXX XXXX XXXX XXXX ) From speaking with HSBC and looking at statements, these 2 wires were sent via XXXX  ( XXXX XXXX XXXX ) and the relevant sequence # on both wires, both outgoing and the bounced return were included in the statement attached I also tried calling XXXX  at its customer service number shown online but a representative told me they wont interact with retail customer ( XXXX XXXX XXXX at the Customer Service at Phone : XXXX ) At this point, I dont know where to turn to appeal for the reimbursement of {$100.00} fee
Product: Debt collection

Hello, I have been dealing with this debt for two years now from Hunter Warfield. I do not deal with debt collectors via telephone, I explain that I only deal in writing and to send me the details of the alleged debt. This debt was sold to them by XXXX XXXX XXXX in XX/XX/2019. The company claimed that I owed for something I disputed with them. I explained this in the initial conversation with Hunter Warfield along with giving the instruction to send the debt to me in writing. I have yet to receive any written communication from them and XXXX XXXX XXXX has no records of this debt in their system. I have recently had two negative hits on my credit report from Hunter Warfield. I have not been given the proper documentation and they are not taking illegal action to place this on my credit report without going through the proper procedure of debt collection.
Product: Checking or savings account

I opened a BMO Smart Advantage checking account at BMO Harris on XX/XX/XXXX.  When I signed up I used the promotion code to receive a {$200.00} bonus for opening the account after making two $ XXXX direct deposits withing 90 days. I sucessfully met these requirements after a direct deposit of {$300.00} on XX/XX/XXXX and another {$300.00} direct deposit on XX/XX/XXXX.
On XX/XX/XXXX ( after not receiving the bonus yet ) I contacted BMO Harris about the status of my bonus and was told that I did not qualify for the bonus because I do not live in one of the targeted states as part of the promotion. The issue with this is that when I signed up for the promotion there were no state requirements, this has only been recently added. Due to this I still deserve the {$200.00} bonus.
Thanks for your help!
Product: Money transfer, virtual currency, or money service

I used crypto. Com and saved my card on file. A couple of days later {$3800.00} was taken from my debit card that was stored on file. Crypto. Com took unauthorized funds from my bank account and will not give it back.