23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A purchase made with XXXX had XXXX deliveries. XXXX were received. XXXX shipment was never received total {$170.00}. XXXX made XX/XX/year>. I should be protected for this purchase. I contacted Regions and XXXX. Shipment message said the package was left at front door. I live in high rise building with XXXX concierge service. The other XXXX shipments in this order were received and signed by employee at front desk. There is no evidence of this delivery. I requested a credit for this shipment or redeliver the items. Neither were done. My credit card should protect my purchase.
Product: Checking or savings account

Navy Federal sent me an email telling me that they sent my money to my address that I requested and I never requested the money but in another instance they said they sent the money back to the IRS which XXXX is true theyre telling a lie and I want my money back and they keep asking me for my address because theyre trying to send me money but they have my address so they are just not sending me my money. I want the right to sue.
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681. 

XXXX, XXXX, EXPERIAN IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following items : ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX EXPERIAN XXXX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Please remove the following accounts which were opened by fraud within 4 business days, per FCRA Section 605B ( a ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account Number 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.

under 15 U.S.C 1666 B 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: Checking or savings account

Wells Fargo send my information to a XXXX party and I paid the XXXX party with a tender negotiable instrument. Wells Fargo contacted me and said they contacted the company about my negotiable instrument and Wells Fargo told me the company said they didnt receive it. I provided the tracking number for Wells Fargo of my negotiable instrument I sent to the company. Wells Fargo should not have sent my information to any XXXX party without my consent. I did not give them promotion to send my information to anyone. Also Wells Fargo said my account was charged off.
Product: Debt collection

Fair Debt Collections Practices Act ... .was violated on XXXX/XXXX/XXXX at XXXX and on XXXX/XXXX/XXXX at XXXX when this company called XXXX XXXX XXXX attempted to contact me again after I told two people for the company to cease and desist all calls ... .seems that they have a third party company from XXXX contact you first then your transferred to a rep at XXXX XXXX XXXX ... .I told them to cease all calls on XXXX/XXXX/XXXX at XXXX call duration 1minute 12sec ... .I felt threatened and harrassed by this company ... .I want to be compensated asap
Product: Debt collection

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. 

Please see this account is removed from my file at once. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX FRAUD, PLEASE, REMOVE!!!!! 
XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE, REMOVE!!!!! 

If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within 30 days of this letter if its not removed. 


Please see this matter is removed at once.
Product: Mortgage

In response to my last dispute about dinging my credit when refinancing. Yes XXXX did email me XX/XX/XXXX, but lets start from the beginning. I was told XX/XX/XXXX over the phone by XXXX XXXX not to make my next mortgage payment. I then also reached out to him XX/XX/XXXX via email if I need to pay or not with no response. After all of this then all a sudden XXXX came into the picture and never heard from XXXX again. I have sent emails and called XXXX and XXXX multiple times after the fact and once again no response. I will now attach emails I've sent and if needed more then happy to show you my call log next. When XXXX said to make the payment XX/XX/XXXX I reached out to her to clarify XX/XX/XXXX via email on what I was told initially. Like I said before I was more than happy to make that payment. Problem is why I couldn't get answers from whom I was working with and trusted at the time. Yes you may have been busy but like I said before as a customer not in your line of work I looked for help. The fact that I just emailed and called multiple times questioning if I should pay XXXX and no response and clarity is sad that you dinged my credit. Freedom Mortgage also did an escrow refund, and waived all late fees. Please sell attached in attachments. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO ANY TRANSACTIONS MADE ON THESE ACCOUNTS. BECAUSE OF THOSE NEGATIVE ACCOUNTS IT HAS CAUSE GREAT HARM TO MY CREDIT AND SCORE. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to equifax on multiple occasions the last year to CORRECT or delete the inaccurate information on my credit report. I have submitted PROOF directly from the companies that I filed bankruptcy and that these accounts are to have a XXXX balance or deleted from my report. I was sent information on letters stating that they verified it, but don't state how nor was any proof given. I was only told that it was verified through XXXX XXXX also that they purchased my info from them. They also advised me that they received this through third party public information. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means 1 did not give them authorization to report this on my behalf. FCRA 623 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report. 

YOU HAVE 15 DAYS FROM RECIEVEING THIS TO VALIDATE THIS OR ELSE REMOVE IT
Product: Credit card

Chase Bank accepted an accurate credit card application from me, with my legal name and address correctly presented on the application. Chase Bank approved my credit card application. Thereafter, Chase Bank issued a credit card to me with my name misspelled and an incorrect mailing address. I have spent more than two months trying to get Chase Bank to correct THEIR errors. My husband and I have many accounts with Chase Bank, all of which have our names spelled correctly ( matching our government-issued ID 's ) and our correct mailing address on them. My nam hasn't changed since I got married 45 years ago. My address hasn't changed in more than 3 years. After several weeks of fighting with Chase Bank, they corrected my mailing address. Then, they forced me to complete a Legal Name Change Form and give them a copy of my passport. I did everything Chase Bank demanded. Finally, they corrected the name on my credit card. But, they sent the corrected credit card to the erroneous address, effectively nullifying all the work I did previously to get my address fixed! Now, they have altered my husband 's Chase Bank credit card mailing address also, putting an erroneous address on HIS account also! None of these changes were initiated by me or my husband. The misspelled name and the erroneous address data originated at Chase Bank and despite meeting with a personal banker three times at a local branch, and supplying evidence of Chase Bank 's persisting errors, we can not get Chase Bank to fix their errors. We fear this problem may have an adverse impact on our credit, as Chase Bank may report an erroneous address for us to a credit reporting agency. Further, we are not getting our mailed statements timely, due to the wrong address on our bills.
Product: Consumer Loan

While in the car dealership purchasing a new vehicle, the salesperson brought a loan amount significantly cheaper than the amount of money financed on my paperwork. Before signing the paperwork, I made the salesperson and the finance department aware of the mistake in amount of money financed but the higher amount is still on my sales contract after they assured me that this was not the amount I was borrowing and repaying. I received a terrible interest rate and will be paying more than {$16000.00} in interest on this loan.
Product: Mortgage

I have a VA Loan with Mid America Mortgage. I have a buyer that wants to assume the loan. All calls to Mid America Mortgage are transferred to XXXX. A call center in XXXX has all of my personal info for my VA Loan.  The call center would email me scam. This should be a crime. I have called Mid America Mortgage at least 10 times, I have emailed them. No response. They are clearly not able to do there jobs. Can you revoke there license.
Product: Debt collection

On XXXX XXXX, 2015, I received a collection notice from National Credit Management Mid-South XXXX XXXX for an alleged debt owed to XXXX College in the amount of {$200.00}. However, after checking with the Student Accounts office at XXXX XXXX XXXX " the College '' ), I determined the amount was to be billed under a third-party billing agreement with the College and therefore is not my individual liability. Therefore, on XXXX XXXX, 2015, I requested National Credit Management to provide validation of the debt as provided by the FDCPA and for an accounting of the debt. I 've received no response to my request. However, after checking my credit report, I noticed the debt was reported to all three major credit reporting agencies. National Credit Management is reporting a non-validated debt on my personal credit report causing damages to myself in terms of my credit score, personal reputation, and business relationships.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 To Whom This May Concern XX/XX/2022, I received a letter from the Federal courthouse stating they do not report bankruptcies to the credit bureaus nor to any other individuals. This being the case, How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states : The term INVESTIGATIVE CONSUMER REPORT means a consumer report or portion thereof in which information on a consumers character general reputation characteristic 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. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

My rights have been violated several times. 
The credit bureaus violated my given rights under 15 USC 1681 According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

According to 15 U.S.C. 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without written instructions.

According to 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 card or prepaid card

I have a CitiCard with Costco, and whenever I try to pay my balance in full, CitiBank puts a hold on my payment. For example, today ( XXXX/XXXX/2017 ), they ( CitiBank ) claimed that my payment for {$1900.00}, posted on XXXX/XXXX/2017, is " out of character '' and late. They claim that they are not using the money for any other purpose, no bank is going to let money just " sit there ''. I suspect that they are fraudulently investing the money for their own gain instead of crediting it to my account.
Product: Credit card

I paid off my XXXXContinental Finance account XXXX month. At that time, I requested via chat that they close the account. Today, I got an text that I had a payment due on this account. Upon logging in, I had a {$10.00} service fee and a {$10.00} late fee. I paid the additional {$20.00} and again requested via chat that the account be permanently closed. The customer service representative refused to close the account, instead telling me to call an XXXX # to decline new terms, which would close my account. However, I want the account closed due to my request ( the consumer ) and by law is my right. 

I have screenshots of the chat conversation from today, XXXX, showing the representative refusing to honor my request. 

Adding that when I called the XXXX # to decline the terms and went through the entire process, I was told at the end that there was a " processing error ''. I believe Continental Finance is keeping consumers in a constant loop of service fees. 

This seems not only unethical, but a complete SCAM.
Product: Debt collection

I am writing to formally express my concern regarding Experian 's attempt to charge my card before the due date for my membership. It is my understanding that charging for services before the agreed-upon due date constitutes an unfair billing practice and may be in violation of consumer protection laws.

Under the Fair Credit Billing Act ( FCBA ), consumers are protected from unauthorized charges and practices that do not align with the terms of a contract or agreement. Specifically, charging for membership or services before the due date without proper consent or notification may be deemed an unfair or deceptive trade practice, violating these consumer rights.

Additionally, Experian 's actions may be in violation of the Electronic Fund Transfer Act ( EFTA ), which provides protection against unauthorized early charges or debits from a consumer 's account. These laws are designed to safeguard consumers from predatory practices and ensure that all charges occur in accordance with the terms outlined in the agreement.

I request that Experian immediately halt any pre-due-date charges and provide clarification regarding this action. Failure to resolve this issue promptly may result in further action. EXPERIAN continues to violate my personal privacy, rights and well being.
Product: Mortgage

I have been having problems with chase receiving my mortgage checks by mail. in the past three years, chase has not received about 4 or 5 checks that was sent to them in the mail. The first time this happened i put a stop payment on the check. Then, this problem happened more frequently and i refused to make a stop payment on someone else 's incompetence. So, recently i switched to automatic payment. I went to chase bank in XXXX XXXX on XXXX XXXX, New York to switch to automatic payment. I have never seen such terrible customer Service. The women that worked behind the desk was more in the hurry to go home instead of trying to resolve my issues with the mortgage. After signing the automatic payment sheet she produced, the automatic payment was never received and they charged me a late fee. I went to the bank and told them what happened and another person helped me. The bank attendant told me they never faxed it, and they made the payment there at the bank. Then, a week later i get a statement from my personal bank stating that i payed the mortgage twice. How can a check be deposited to a bank after claiming that they never received it a month later. I feel i am being scammed by chase bank for additional fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In trying to obtain funding for a real estate need, I was turned down because of information shared by Experian with the potential Creditor. I obtained a copy of my Credit Report and discovered that Experian is reporting multiple errors on my Report so I contacted them multiple times seeking to have them delete negative information that they are providing potential Creditors but they refused. I believe that if the information on one 's Credit File is incomplete, incorrect, unauthorized, it must be deleted upon the request of the Consumer. 

The errors ranged from : XXXX incorrect SS # ( Experian has XXXX ). mine is XXXX. 
XXXX incorrect name : Experian has XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX incorrect address of Bankruptcy XXXX. 
XXXX multiple unauthorized hard inquiries by companies that had no Permissible Purpose, I had not given consent to and I have no business with. They are marked with *. 

I have written and called Experian about these but they just don't care and continue to report the errors. I am soliciting the intervening power of CFPB to have Experian show respect for the law : CFPB, FCRA, Federal, State, Local ; and delete all negative entries they are reporting on my Credit file with so many errors. Experian collected, used and shared my personal information without my knowledge or consent. 

Long live CFPB. I think help has finally come! Please note the highlighted concerns as well as those marked in * in the attached document.
Product: Credit reporting or other personal consumer reports

Ava Financial.

I joined the company to improve my credit. My identity was stolen and my checking account was emptied and closed. I didnt have an account I could connect there continued to be an error with my credit union. 

I contacted them immediately and got no answer then XXXX months later as I joined a new back that plaid would connect with and rejoined but they are reporting XXXX months late and I am not late at all. 

This is an error and needs to be corrected as it is dramatically affecting my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never given written consent to furnish a consumer report on my behalf. this is a violation of federal law. pursuant to 15 usc 1681b ( a ) ( 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

A vehicle loan with XXXX XXXX was paid off TWO and HALF months ago and it's still on all 3 Credit bureaus! I've called XXXX and emailed them. I found out because I was denied credit on another loan because of incorrect debt. The Credit Bureaus/Banks NEED TO BE REINED IN on correct AND TIMELY credit data! 

Experian took NO RESPONSIBILITY although they have a " dispute '' resolution system. They state, at best, THIRTY DAYS to correct errors!?? DO I GET 30 days?? 

NEW LAW ( S ) /REGULATIONS NEEDED : 1.Credit Bureaus ARE NOT to tell citizen WE have to make Lender correct errors THEY REPORT! They report as 'gospel ' what Lenders send them! ONCE citizens report PROBLEM, The Big Three >>>MUST<<< CORRECT It! 

2. BUREAUS/BANKS FINED and portion goes to CITIZENS for such as above! WHY should WE have to do all this battle when we're WRONGED?? NO ONE should have to HIRE a LAWYER to fight issues as above. BIG FINES ( Equal to initial loan amount misreported goes to Citizen!!!! ) would negate court delays and GET ATTENTION of bureaus and banks that make Billion $ AT CITIZENS ' EXPENSE! 

3.DO IT ASAP! Every day I am SURE similar is happening to everyday people who have to fight this on top of trying to live their own lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian advising that an item should not be on my report. The next day I received a message advising that the Collection agency said it was valid. Then my score dropped two points for the same item. It had already dropped two points within the same month. I called the creditor who confirmed the error. I called experian three times with no success