23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

All this accounts have been settled or paid and they are reported as delinquent accounts, please help me to fix this problem, i had send several messages to the credit report companies with no good results. 

Agency Open TransUnion BalanceXXXX XXXX XXXX $ XXXXDiscuss Your Account WithXXXX XXXX XXXX Call XXXX XXXX ) XXXX or Visit Agency SiteXXXX account reported on XXXX XXXX, 2015 OpenAccount # XXXX $ XXXXBalanceXXXX XXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNoteSee something wrong? 
Learn more about how to dispute items on your credit report. 

XXXX {$13000.00} account reported XX/XX/XXXX OpenAccount # XXXX $ XXXX XXXX XXXX XXXX XXXX Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNoteSee something wrong? 
Learn more about how to dispute items on your credit report. 

XXXX XXXX XXXX {$9000.00} account reported XX/XX/XXXX OpenAccount # XXXX $ XXXXBalanceXXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNoteSee something wrong? 
Learn more about how to dispute items on your credit report. 

XXXX {$8200.00} account reported on XXXX XXXX, XX/XX/XXXX OpenAccount # XXXX $ XXXXBalance
Product: Mortgage

The idea of FORBEARANCE for mortgage holder is OUTRAGEOUS during this pandemic! While they might let you put our payments on hold temporarily, they don't give you any breaks whatsoever and it's so incredibly difficult when we have no income coming in for weeks and months to suddenly have to pay back 3 to 6 months of mortgage payments in FULL!! 

Mr Cooper says : " At the end of your forbearance period, all payments not made during the forbearance period will have to be paid back. We realize this will probably be a big financial burden. '' This also happened to us during Hurricane IRMA. They made us pay back every penny at the end of the 3 months - this is SO HARD for families!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the recent news that Equifax has had their data hacked, it is apparent that my information is part of the data breach. Equifax had a responsibility to protect my credit information and has failed to do so. As a result, I am now at a higher risk of identity theft and credit fraud. 

I have initiated a 90 day fraud alert and will be enrolling in ID theft protection.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX and followed up on XX/XX/XXXX. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Student loan

Dear CFPB, I am filing this complaint to report what I believe to be unfair, misleading practices by XXXX  concerning my private student loan. Since XXXX, I have been enrolled in a loan agreement with XXXX  at a promised 1 % interest rate for the life of the loan. I chose this program under the impression that it would offer predictable payments and stability. However, recent experiences have shown that XXXX practices have led to unexpected late fees and inconsistencies in the handling of my payments. 

As part of my repayment arrangement, I scheduled payments on the XXXX and XXXX of each month. This approach was meant to meet my monthly obligations while accommodating my income schedule. Recently, in XX/XX/XXXX, I discovered that XXXX  had been applying late fees to my account, which were apparently due to my payments not being made on a specific due date each month, despite my full monthly balance being paid on time within each month. I was not made aware of this specific due-date policy at any point in our agreement, and I had been led to believe that payments within the calendar month would satisfy my monthly payment requirement. 

Upon contacting XXXX, a representative explained that only a single payment on an exact due date would avoid late fees. This policy was never disclosed when I set up my payment plan, and as a result, XXXX  has been penalizing me for what I believed was an acceptable and timely arrangement. I feel that XXXX lack of transparency regarding its due-date requirements has led to an unfair accrual of fees over several years. I have already repaid a significant amount of my loan and to date, have paid XXXX XXXX XXXX more due to these unexpected late fees. 

In light of these circumstances, I am requesting that XXXX  conduct a thorough review of my account, retroactively remove all late fees charged due to this policy miscommunication, and confirm my original 1 % interest rate, as was initially promised. I also request that any future changes or policies affecting my loan be clearly communicated in writing. 

I hope that the CFPB can help address this matter. XXXX  practices have caused me significant financial and emotional distress, and I am concerned about how these fees have unfairly inflated my debt. Thank you for your attention and assistance with this matter. 

Sincerely, XXXX
Product: Debt collection

I had financed a used Vehicle for {$3300.00} from a local car lot that financed me through Reliant Financial. 4-5 months later I was injured at work and medically XXXX from my job for being permanently injured in XX/XX/XXXX.I called XXXX XXXX and explained I was permanently XXXX and dealing with my Health issues and wanted to try and work something out because I had no income coming in due to my health to pay the rest of the amount owed which was roughly {$2300.00}. I spoke with a gentlemen that handled my account and he explained to me that due to my hardship if I voluntarily turned my car in that it would not go on my credit and would not negatively affect me. I voluntarily took them the car at the agreed location and that was it. Years later I look at my XXXX XXXX Credit report and it states my car was reposed, the account was closed and charged off with the highest balance being {$3300.00} but owed like {$5000.00}. I disputed this account through XXXX XXXX I believe 5 times and every time my balance went up each time I disputed Reliant Financial which is now at {$6200.00}. I called XXXX XXXX about the balance kept going up on a closed/charged off account every time I disputed it. The guy I spoke with at XXXX XXXX was very rude and said I was wasting his time and that Reliant Financial or any creditor could put whatever amount they wanted and that I couldn't do anything about it but keep disputing it even though I explained to him to look back at this account and he could see all the inconsistencies but wouldn't. I called Reliant every time I disputed this account and they would just hang up on me or scream or use unnecessary language. I even asked them to take me to Court so they would have to provide all the documents as to how they just keep magically changing my balance on a closed account no response. I looked at my XXXX Credit Report which states I paid off 100 % of the original amount with a {$0.00} Highest balance but then the current Balance from XXXX XXXX from my last Dispute for {$6200.00}. So very unprofessional and ruining my credit being a Permanently XXXX individual because as the the XXXX XXXX Rep said " because they can ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., 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 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 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 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 XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees and bounced checks I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

The Credit Bureaus stated that my account was properly investigated, but that cant be possible because there are multiple inaccuracies on my report including : Date Opened, High Credit, Date Last Active, 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 instruction. The following accounts are included XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was shopping for XXXX XXXX online and I clicked on what I thought was their website. It was a fake, phony website set up to look exactly like their site. This is the site XXXX XXXX XXXX It had all the same shoes and they appeared to be on sale. I was going to buy 2 pairs for myself and 1 for my Dad. 

I went to check out and it sent me to PayPal. Upon reflection, I thought that was strange and it was the only way to pay. I submitted payment and then I realized it was a scam as the payee was a foreign name, XXXX XXXX, and the website did not reflect any payment confirmation it only stayed the same. The PayPal transaction ID # is XXXX. 

I tried to recoup the funds immediately from PayPal but they wouldn't allow me to cancel the transaction or recoup my money as they said it was a private payee not a company. 

Is there anything you can do to help me recoup my money? It was {$200.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 604 A. Section 2 : it also states a credit 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 may make any consumer report containing any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reason to believe that the information is inaccurate. I never filled out for a XXXX XXXX  credit card and was XXXX  from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. This account was filled out for while I was XXXX I explained that to them and they never took it off. They did take the debt amount down from {$1300.00} to {$0.00}. Which I am grateful for however it still is marked on my XXXXXXXX XXXX as a charge-off and has been on my credit report for years while I was in XXXX  I disputed it when I got released and also made a complaint with the CFPB back in XXXX and they still have not removed it. I have also been filed a identity theft report with the proper authorities. Please help me.
Product: Credit reporting or other personal consumer reports

Attn : Experian Fraud Dispute Resolution XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, My name is XXXX XXXX. I am writing on my own behalf, to dispute several accounts that were fraudulently opened in my name and to request the removal of associated inquiries and collections from my credit report. I did not authorize these creditors to obtain my information, and upon contacting them, I was advised to request the credit bureaus to delete these entries. 

The accounts in question are as follows : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Amount : {$630.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account XXXX : XXXX - Amount : {$150.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account XXXX : XXXX - Amount : {$1400.00} - Date Opened : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - Amount : {$190.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Amount : {$1400.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Amount : {$11000.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Amount : {$630.00} - Date Opened : XX/XX/XXXX Additionally, these creditors have inaccurate personal information on file. My correct information is as follows : Current Address : XXXX XXXX XXXX XXXX XXXX 
XXXX, KS XXXX Employer : XXXX XXXX XXXX - Owner Note : The founder / owner of the following company is in jail for fraud, as a direct result of this company. 
XXXX XXXX XXXX XXXX Please correct the inaccuracies on my credit report. Thank you for your prompt attention to this urgent issue. 

Sincerely, XXXX XXXX
Product: Mortgage

FLAGSTAR BANK Account number XXXX ... .- reported a 30 day late to the credit report when in reality the property was sold and payment in full was received by them before the end of XXXX!! this has caused a great damage to my credit. And in my numerous attempts to resolve this issue with Flagstar all I received was computer generated letters stating they could not locate my file and information provided does not match their records.. total ignorance and violation of F.C.R.A. rules and regulations ...
Product: Consumer Loan

COMPLAINT AGAINST THE CAR-MART IN XXXX, GA STORE : My payment is {$270.00} per month, we started out with a {$6800.00} bill and our balance is approximately {$2600.00} and CAR-MART continue to harass us each month, making threats of repo on the vehicle to sell. They sent someone to our house last month when we had company in our home and the person refused to leave from in front of our front door demanding that my wife get on the phone, demanding a payment because they claim the payment was 5 days late. He continued to verbally demand my wife get on the phone to make a payment in front of our guests, allowing others to be in ear shot of a collections demand at our front door about my personal business. Now, they claimed our payment was 8 days late and repo our vehicle on XXXX/XXXX/2016. The sad part is my wife make another payment on the vehicle and all of sudden not even 10 minutes later someone was knocking down our front door and repo my truck. I have paid over {$4000.00} on that truck. I feel we are being harassed because the Truck is XXXX paid in full and it would be of profit for Car-mart to steal our vehicle and sell it to someone else. Call me at XXXX. We also faxed a complaint to the XXXX store last month over the violation of our privacy rights in front of guest at our home and this month - XXXX 2016, they repo the vehicle in retaliation of that complaint. My payments are current and I have all the receipts, I have never missed a month payment to Car-mart. Additionally, they pull a bate and switch when I first obtain the vehicle. They stated if we bought them XXXX fans in a promotion that my down payment would be {$500.00} down. However they increased my payment over a 90 day period to {$470.00} per month to get the down payment money back. I did not realize this situation until after the fact and I was forced to pay {$230.00} every two weeks for 3 months for the down payment. Now that I have paid off over XXXX of the vehicle they came and stole the vehicle out of my front yard.
Product: Credit reporting or other personal consumer reports

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$2000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$790.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On the evening of XX/XX/XXXX  {$500.00} was taken out of my checking account via XXXX. I am a victim of the XXXX  Scam that is unfortunately happening now. I called the bank to report the unauthorized/fraudulent transaction that very same evening. I made a report with the banker that assisted me. She transferred me to the fraud department, but it was closed. I called the bank again the very next morning to report that I was a victim of fraud. I filed a report and took absolutely every single action the fraud department advised. I closed my back accounts and opened new accounts. I also changed my email and all information on my XXXX account. Everything that I was advised to do, I did without hesitation. 

I received a letter from the bank, dated XX/XX/2021, stating the my claim has been denied because the transaction posted as requested. This thief took my money and the bank is stating that I authorized this transaction. {$500.00} is a lot of money. I have used XXXX countless of times without any issues. 

I have never had to submit a claim for this issue in the past. The one time that I am unfortunately a victim of fraud, my bank denied my claim. I feel so violated and helpless at this point. I need that money. My family needs that money. That person stole from me. This transaction was not authorized by me. Someone please assist me with this. I would gladly take whatever additional steps I need to take to ensure this thief never violates me again and that I receive my full refund.