23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On XXXX XXXX, 2016 my report was shared with XXXX XXXX XXXX, XXXX XXXX on behalf of XXXX XXXX XXXX XXXX without my authorization. The inquiry is scheduled to continue on my record until XXXX 2016. Experian 's sharing policy ( attached ) does not grant authorization of this type of sharing without consumer 's authorization.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Late Payment Entry from Capital One Account Dear Sir/Madam, I am writing to bring to your attention a matter of concern regarding late payment entries on my Capital One account. As per the information available, I encountered financial hardship during the period in question, which led to the late payments on my account. 

Account Information : Account Number : XXXX Account Type : Credit Card Status : Open Date Opened : XXXX XXXX, 2018 Due to the financial challenges I was facing at that time, I regrettably missed XXXX payments on my Capital One account. However, I want to highlight that I have since rectified these late payments as soon as my financial situation improved. I can provide documentation to support this if required. 

I am reaching out to the Consumer Financial Protection Bureau for assistance in having these late payment entries removed from my Capital One account. I believe that given the circumstances surrounding my financial hardship at the time and my commitment to resolving the outstanding payments, this action would be just and fair. 

I kindly request your intervention in this matter to help me rectify my credit report and improve my financial standing. Your support in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

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

Caine & Weiner billed amount XXXX $ -this account should not be furnished on my consumer reports as they are in violation of 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. Please delete these items immediately.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian had failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, Where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

My Citibank XXXX was charged {$50.00} onXX/XX/XXXX. I disputed the charge and a temporary credit was posted to my account. Citibank " investigated '' and claimed their investigation indicated that the charge was legitimate. The {$50.00} was reposted, as a charge, to my account. 

I called in lateXX/XX/XXXX and spoke with XXXX who told me that it was a XXXX charge and he provided name, address, transaction number, etc for the charge [ details are provided in attachments ]. I never made such a XXXX transaction and had no knowledge of the person identified. I sent [ via USPS ] Citibank a copy of my XXXX account fromXX/XX/XXXX to XX/XX/XXXX, listing every transaction ( there were only three in a two year period and NONE inXX/XX/XXXX! ) and none anything close to the amount or the date of the disputed charge in XX/XX/XXXX. I have called Citibank four times requesting that the {$50.00} charge be removed from my account and posted as a credit. I have three letters [ datedXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ] stating different departments have responsibility -- basically I simply get bounced around from " dispute department '' to the " lost/stolen card department '' to the " fraud department '', with promises of a callback. I have been waiting for a callback for 2 weeks -- just from my most recent inquiry. 

Are credit card companies not required by law to post a credit for disputed/fraudulent charges while the issue is being investigated? 

[ All this during the same time that Citibank had an internal security breach and had to issue all credit holders new cards with new numbers! ]
Product: Credit reporting or other personal consumer reports

Fraud, i give noone concent to report anything no written consent. regulation of Federal Reserve notes ( currency ) by the Federal Reserve System. While they may not directly relate to your consumer rights, they establish the framework for the country 's monetary system. 12 USC 504a-m : These sections of Title 12 of the United States Code address various aspects of the regulation of banks and banking, including the Federal Deposit Insurance Corporation ( FDIC ) and banking operations. Violations of banking regulations, such as unauthorized disclosures of customer information or unfair lending practices, could potentially implicate these provisions... I am writing to file a formal complaint and to exercise my rights as a federal protected consumer regarding the disclosure of my personal information by certain entities. I hereby request that the following entities cease any and all unauthorized disclosures of my personal information, in accordance with the applicable laws and regulations : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX implements the Equal Credit Opportunity Act ( ECOA ) and prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of income from public assistance programs. Any discriminatory practices related to your credit accounts could violate this regulation. 12 USC 411 and 12 USC 412 : These statutes pertain to the issuance and regulation of Federal Reserve notes ( currency ) by the Federal Reserve System. While they may not directly relate to your consumer rights, they establish the framework for the country 's monetary system. 12 USC 504a-m : These sections of Title 12 of the United States Code address various aspects of the regulation of banks and banking, including the Federal Deposit Insurance Corporation ( FDIC ) and banking operations. Violations of banking regulations, such as unauthorized disclosures of customer information or unfair lending practices, could potentially implicate these provisions... I am writing to file a formal complaint and to exercise my rights as a federal protected consumer regarding the disclosure of my personal information by certain entities. I hereby request that the following entities cease any and all unauthorized disclosures of my personal information, in accordance with the applicable laws and regulations
Product: Credit reporting or other personal consumer reports

My credit status is verified which showed me some that were not done which were the following XXXX XXXX a debts {$470.00} that the account opened XX/XX/XXXX, Grupos Estrellas llc XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Checking or savings account

am absolutely livid about the completely unnecessary and frustrating hold youve placed on my check. On XX/XX/year>, I deposited a check from the State of Pennsylvania, Department of Healthyes, from a GOVERNMENT agencywith a verification number clearly listed, and under {$500.00}. Despite all of this, I was informed that a 5-day hold would be placed on my funds for reasons that are utterly ridiculous. 

Youre telling me that a check from the state, with all required verification, could " possibly '' not be paid? Thats beyond unreasonable. Its outright absurd. Then, when I asked to have the check cancelled, I was told it had already been approved, meaning the check was cashed and the funds were availablebut youre still holding onto MY MONEY for no legitimate reason. 

This is completely unacceptable. I dont care what internal policies you have, but holding a check from a state agency with verification numbersunder $ XXXX just bad practice. Youre making up excuses to keep my money, and it's beyond frustrating. 

I expect you to lift the hold immediately and give me a legitimate explanation for why this happened in the first place. If this is your standard operating procedure, its time for a serious review. 

This situation needs to be addressed NOW. Im not interested in more delays or more excuses
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting Act XXXX XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.
Product: Mortgage

Since XX/XX/XXXX I tried twice! and gave Penny Mac mortgage services XXXX, a chance to submit a refinance which is my current home mortgage. They insured me it was an easy process, which it was far from an easy process. I had no alternative but to seek out a local loan company in XX/XX/XXXX to refinance my current home loan which was been a pleasant experience by far. 

The problem arose when it came to signing the original loan documents to complete the refinancing process, the loan documents never arrived to the mobile notary for signatures. Penny Macs explanation was it was an internal error? I had to keep calling the loan officer for updates, Mrs XXXX XXXX kept indicating she was stressed and over worked? 

The original loan officer was XXXX XXXX, then I talked to her supervisor XXXX XXXX, he assured me they would follow through to succeed with the process, Talking to Mr. XXXX was no help either. 

They even tried to assign the refinance to a second loan officer XXXX XXXX after the second failed attempt. 

Additionally, on XX/XX/XXXX I discovered that my property taxes of {$1600.00} for XX/XX/XXXX had not been paid, when I had the money in my escrow account. I had to call Penny Mac & spent an hour trying to investigate what happened? The rep XXXX XXXX @ ext XXXX assured me the matter would be rectified & the penalty imposed by the County of XXXX, Ca for late payment of {$160.00} will be paid by XXXX XXXX. 

In my 30+ years of being a homeowner & being a licensed California XXXX myself, I have never encountered a mortgage business so incompetent, I have refinanced homes in the past with no problems and helped a number of clients go through the refinancing process. I understand fully how the process works. It was stressful & I was patient with this company & they failed miserably. 

Currently I am on the cusp of closing my refinance XXXX XXXX, XXXX ) with another local lender. My complaint is merely to warn consumers about this company and Im amazed they are still in business. Hopefully with this complaint consumers will be made aware of the business practices of Penny Mac so they can avoid the stress that I had to endure.
Product: Credit reporting or other personal consumer reports

There are multiple inquiries reporting on my TransUnion credit report which i never authorized or applied for myself. i have contacted each bureau and informed them that these inquiries are a result of identity theft and have yet to hear back from either bureau and said inquiries are still being reported on my credit report. As per 15 U.S. Code 1681c2 of the fair credit reporting act : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I have contacted TransUnion as of XX/XX/XXXX informing them of said unauthorized inquiries and have received no response well past the allotted 30-day time period, as per 15 U.S. Code 1681i a consumer reporting agency must respond to a request for investigation into unauthorized accounts on/or before 30 days from time of receiving initial notification from consumer. i am requesting the immediate removal of said inquiries from my TransUnion Credit report in accordance with 15 U.S. Code 1681c2 of the fair credit reporting act TRANSUNION -- -- -- -- -- -- -- -- -- -- -- -- -- - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All of the inquiries stated above were not authorized by me and as such are a result of identity theft, they are still being reported on my credit reports as of XXXX & are negatively affecting me in. I demand these Inquiries be removed from my report immediately in accordance with 15 U.S. Code 1681c2 & 15 U.S. Code 1681i or I will be forced to proceed litigation against the bureaus with which they are being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act CKS PRIME INVESTMENTS , LLC Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.
Product: Mortgage

Made a one time mortgage payment toward the principal of {$5000.00} on XX/XX/XXXX to Wells Fargo Mortgage company. I made sure to tell the agent to apply the amount to the principal payment 3x prior to ending the call. Checked back couple days later, amount was not applied to the principal instead it was applied as a regular payment with interests taken out. I called back and had the transaction reversed on XX/XX/XXXX. Again, made another principal payment of {$20000.00} on XX/XX/XXXX. This time I also made sure to tell the agent the issue last time and wanted to make sure that this will not happen again like the last time. Today, XXXX, I checked the account and again, that {$20000.00} was applied to the monthly payments instead of toward the principal amount. I begin to think now that all these transactions are intentional. Again, I will call on Monday to have it reversed.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union ( NFCU ) regarding multiple overdraft fees/returned check fees I have incurred. Despite having sufficient funds were transactions were made. I was charged fees due to lagged postings of charges & credits. This issue aligns with the CFBP findings against NFCU for similar practices, where transactions settled with insufficient balances despite initially available funds. For example, instead they would one payment post that would cause 4 different payments to decline and I receive 4 returned check item fees instead of maybe 1. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I disputed credit report inaccuracies with several furnishers. Despite the FCRA, they didn't inform credit bureaus about my disputes. My updated credit reports still show the wrong information, impacting my credit score. 

On XX/XX/, I disputed federal student loan inaccuracies with DEPTEDXXXX, as I'm eligible for CARES Act relief. They wrongly reported late or missed payments, creating financial hardship and preventing me from buying a home.

I request CFPB 's help in investigating these furnishers and XXXX  for non-compliance with the FCRA and CARES Act, and to resolve these credit report issues.DEPTEDXXXX XXXX XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic - Update to paid as agree and remove late payments from payment history. 

DEPTEDXXXX  - XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During XXXX Pandemic - Update to paid as agreed, never late. Remove the inaccurate late payment from my report. 

DEPTEDXXXX - XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During XXXX  Pandemic - Update to paid as agree and remove late payments from payment history. 

XXXX - XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy - Delete this account immediately XXXX - XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy- Please Remove This From My Credit Report Immediately XXXX XXXX  - XXXX - Under 15 U.S.C 1681b Permissible Purposes Of Consumer Reports- Please delete this from my credit report immediately XXXX - XXXX - 15 U.S.C. Section 1681i Paragraph XXXX Treatment of Inaccurate or Unverifiable Information. - Please delete immediately XXXX - XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy - Delete this account immediately XXXX  - XXXX - Under 15 US CODE 1681s2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies ( a ) Duty Of Furnishers To Provide Accurate Information - Delete this account immediately. 

XXXX XXXX - XXXX - Under 15 US CODE 1681s2 Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies ( A ) Duty Of Furnishers To Provide Accurate Information. Payment Status Is Inaccurate. - Delete this account immediately. 

Incorrect Name - XXXX XXXX  Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Address - XXXX XXXX  XXXX, XXXX, FL, XXXX
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX acc number : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  account # XXXX. XXXX  account # XXXX, XXXX  and XXXX. IN ACCORANCE with The Fair Credit Reporting Act, Public law 91-506 Title VI, Section 611, please provide the names and businesses addresses of each individual with whom verified above so that i may follow up. Please send a updated copy of my credit report after your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # XXXX GXXXX XXXX XXXXs, XXXX XXXX XXXX XXXX. XXXX Account # XXXX, XXXX XXXX XXXX XXXXt # XXXX, XXXX XXXX Account XXXX XXXX, 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached document. 

I have not inquired about any credit cards for the month of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 and XX/XX/22 I reached out to the credit bureaus in regards to inaccurate and unverifiable accounts being reported on my credit report. I was never notified of these accounts prior to them being placed on my credit reports. The last I was told anything about these accounts were at the medical facility and they stated they were submitting the claims to my insurance and that I wouldn't have anything to worry about. So to later find that these accounts have been placed on my credit reports without ever receiving a notice, letter, or anything is very disturbing to me. 

As of today XX/XX/22, several months after my initial request I am still awaiting the information on how these accounts were verified and why they were placed on my credit reports without being informed of the accounts prior to placement. According to Section 611 ( a ), it states that failure to investigate these accounts within 30 days gives the reason to immediately delete the accounts from my credit reports. I truly don't agree with them being on my credit reports but I would definitely like to receive the information that was verified prior to them placing these accounts on my credit reports. 

I demand that these accounts be deleted immediately.
Product: Debt collection

I have been received email from Capital Plus Financial stating that I owed a XXXX loan that I didn't received, I tried calling and email and no reply over 20 times. I check XXXX and found hundreds of other people complaining about the same thing with this company Capital Plus Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, please remove all tradelines being reported with any derivatives of the name XXXX XXXX XXXX that name has been copyrighted, I hereby revoke and rescind any prior written or verbal consent to use the name XXXX XXXX XXXX. See attached affidavit of publication. Failure to do so will result in a lawsuit against your Financial InstitutioXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried contacting/ Disputing with XXXX XXXX was given no help. Put negative makes stating I was 30 days late when the account was charged off and sold to another company back in 2015. Public records still stating that the account is still owed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding the violation of my rights under 5 U.S. Code 1681c-2 and 15 U.S. Code 1681b. I am a victim of identity theft, and I have taken the necessary steps to report this incident to the Federal Trade Commission ( FTC ), with a corresponding FTC report on file.I have taken immediate action to address the identity theft by contacting the appropriate authorities, as well as by diligently following the guidelines outlined by the FTC. It is therefore imperative that my rights under the specified U.S. Codes are fully recognized and upheld by your agency.
Product: Credit reporting or other personal consumer reports

There is fraudulent credit inquiries on my credit report. I believe it is related to the data breach on XXXX, my information was exposed back then. 
Please have them removed : XXXXXXXX XXXX XXXXXX/XX/2023. 
XXXX XXXX XXXX XXXX XX/XX/2023. 
XXXX XXXX XXXX XXXX XXXXXX/XX/2023.
Product: Credit card or prepaid card

XX/XX/XXXX this year i called BMO Harris Bank Cash Back credit card to order paper check for the negative amount of {$190.00} ( see attachment ) / Female named XXXX took my request and assured me that i will receive the check within 7-10 business days. Today is XX/XX/XXXX and i still don't have not check neither money on my credit card balance. 
I think that this bank uses on me it's fraud-like practice again. 
Please force them to give me my money.