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

Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Credit reporting or other personal consumer reports

I need to know whether or not these accounts/data are a 100 percent accurate. It is hurting my credit file and I need these deleted.
Product: Mortgage

I submitted a refinance application with Gesthman Mortgage XX/XX/22 and was never issued a loan estimate as of today 's date even though it was outlined that my application is still processing, and not denied. 

My credit was pulled with no intention for an application to be processed, and the lending officer intentionally waited until after market deterioration XX/XX/22 to process my loan. 

XXXX, MO XXXX XXXX : XXXX M : XXXX F : XXXX XXXX XXXX  # XXXX Licenced In : MO
Product: Student loan

Since 2009 I have made on time automatic payments to Navient on a {$7400.00} XXXX XXXX. Since then I have seen over 13 payments apply solely to interest and when asked why years ago they said I was late with payments then that they just apply some payments on the back end. This week I was told its because I signed up for a 24month interest only payment plan. I didnt and the issue with that is the payments werent always consistent and there werent a full 24. When I asked to go over this the supervisor gave push back and treated me as if I were trash not trying to pay loan. Speaking with a rep they said Navient will sometimes do a settlement with certain amounts. I was told 60 % is the lowest if I can provide expenses. When I provided a monthly breaking showing we come out negative they said they would try for {$1800.00}. Management came back with {$2200.00}. I felt defeated. When I spoke to a supervisor she called me entitled and said I was just trying to not pay what I owed. She said they dont have to settle. When I told her that I have paid over {$15000.00} on this loan she said thats how loans work and clearly you dont know that. I asked to speak to her supervisor to which responded no, they do not speak to customers. I pushed and told me she would have her supervisor call me in a few days. I am sick of them taking my money and not applying it to the balance. I paid {$120.00} every month. I have explained that we have come into some hardships and she then took the offer off the table of {$2200.00} and said you will go into litigation. They sent me a litigation letter. They have been rude, condescending and extremely unhelpful. Constantly backtracking and providing incorrect information.
Product: Vehicle loan or lease

I just bought a XXXX XXXX. Hyundai Motor finance is the one financing my car. I was signed up for auto payments they started out right but in XXXX they took out 2 payments one XX/XX/XXXX and one XX/XX/XXXX each one was for XXXX. They overdrafted me in my banking account. So on XXXX I called them and told them what they did. Talk to XXXX at that time at XXXX he was going to send me a refund check of XXXX it would take 3 business days to make check and up 7 days for mail to get to me. XX/XX/XXXX talked to XXXX to make sure the guy I talked to before did what he said she said that she would ask for refund cause the guy XXXX didn't send it in. she said it would takes 14 days to get to me. XX/XX/XXXX called to get update XXXX said that the refund had not been issued yet but i could have the extra payment they took out put on my XXXX payment I said ok we can do that. She told me that it would be credit to my XXXX payment by XXXX. Never happened called up there again talk to XXXX XXXX she said that the credit never went thru and she would push it thru. XXXX I called back up there talked to XXXX she said that the payment will be posted by XX/XX/XXXX. Never happened today I called up talk to XXXX a supervisor he said they are really behind and that he would get it posted to my account as soon as possible. I told him that my payment is due by XX/XX/XXXX what happens if y'all dont get my payment posted by then. He said well you have a 10 grace period before you start having to pay late fees. I said I'm sorry sir but I'm not paying no late fees cause y'all already my payment but want post it correctly. I am tired of being lied to and not having my issue fix this has been going on for a month now. I would like this issue fix asap on Hyundai side
Product: Credit reporting or other personal consumer reports

I never was late in XXXX and XX/XX/2023 per 15 USC 1681i ( 5 ) I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding the late account reporting on my credit report for the months of XXXX and XX/XX/2023. Pursuant to the Fair Credit Reporting Act ( FCRA ), I believe that this reporting violates my rights under 15 USC 1681i ( 5 ). 

I have reviewed my credit report, and it has come to my attention that the above-mentioned creditor has reported my account as late for the months of XXXX and XX/XX/2023. However, I would like to assert that this reporting is inaccurate, and it is adversely affecting my creditworthiness and financial standing. 

Under 15 USC 1681i ( 5 ) of the FCRA, I have the right to dispute any inaccurate information that is being reported by a credit reporting agency. I am hereby requesting an investigation into the accuracy of the late account reporting for XXXX and XX/XX/2023. My reasons for disputing this information are as follows : I kindly request that you conduct a thorough investigation into this matter as soon as possible and make the necessary corrections to my credit report if it is determined that the late account reporting is indeed inaccurate. Additionally, I request that you inform me of the results of your investigation in writing and provide me with a copy of my updated credit report once the necessary corrections have been made. 

Please consider this letter as a formal request to initiate the dispute process under 15 USC 1681i ( 5 ). I understand that you have 30 days to complete your investigation, and I look forward to a prompt resolution of this matter. 

Thank you for your attention to this dispute. I am hopeful that the CFPB will help ensure the accuracy of my credit report and protect my rights under the FCRA.
Product: Debt collection

I had a tablet and other devices from XXXX that i returned to them when i stopped using them. I was supposed to recieve a credit for the devises which would lower my final bill but they never applied the credits and then sold it to a collection company. The company won't respond to us asking for the credits on our bill and are attempting to over charge us for an amount that isn't owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

There are inaccurate hard inquires reporting on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX XXXX XXXX Balance : {$4800.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

has violated my rights. 


15 U.S.C. 1681 section 602 A. Status I have the right to privacy 15 U.S.C 1681 Section 604 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 counting 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.Cs-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax once again and let them know that I have two accounts reporting on my credit that are not mine. They continue to report inaccurate information. The fraudulent accounts are listed as US Depart. of Education/XXXX  and XXXX XXXX XXXX. I submitted a previous complaint with you Complaint number XXXX & the accounts are still being report even after I have sent a police report, put a 7 year fraud alert on my credit files & submitted an ID Theft Report. I have been calling & sending everything they have requested but still no help with only showing the correct information.
Product: Debt collection

NOTICE to SYNCHRONY BANK for failure to verify alleged debt pursuant to 15 USC 1692g ( b ). If you dont lawfully verify alleged debt or cease all collection activities I SHALL claim harm by way of TRESSPASS, FRAUD and EXTORTION.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX have an account listed on my credit report for {$4300.00}. The company is stating they are collecting a debt owed to XXXX XXXX for a lease agreement that I was declined for. Ive disputed this debt with XXXX XXXX and XXXX XXXX XXXX on numerous occasions and they refuse to remove this fraudulent account from my credit report. As a XXXX XXXX this debt has caused me significant financial harm and irreparable damage to my XXXX XXXX. Ive attached to this complaint a copy of the e-mail denying my application for a lease but the company still placed this account on my credit report fraudulently as if they offered me a lease. Due to this, Im requesting that this account be immediately removed from my credit report according to the FCRA as well as this company provide me with financial compensation for the harm caused to my career and my credit. Should this account not be immediately removed from my credit reports I will also file a complaint against XXXX XXXX with the Georgia Attorney Generals office and a complaint against XXXX XXXX XXXXXXXX XXXX with the Utah Attorney Generals Office as well as submit a complaint with their associated states bar. In doing my due diligence Ive given both agencies ample time to correct this issue. However they refuse and I have no choice other than to take action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Names : All Accounts Associated with XXXX # XXXX have 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 instruction.

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

" THIS COMPLAINT IS NOT A DUPLICATE " This loan was paid off in full on XX/XX/2023. Upgrade unexpectedly called the loan in the prior month. It has failed thus far to report the account as paid and settled to all credit bureaus. Upgrade has behaved in a manner similar to a loan shark. Regardless we had to find the money to pay them off and now they are holding back on reporting It as paid. Which is having a negative effect on my credit score.

Please see the attached loan paid receipt E-Mail from them.

This complaint is also addressed against the 3 credit bureau companies for maintaining and putting out the wrong information on my credit report and not updating it regularly.
Product: Credit card or prepaid card

I have had an issue with XXXX grocery home delivery charging {$12.00} monthly to my Discover a card, for a service Id never signed up for nor currently use. I did a trial offer for this service ( 30 days free ) about 9 mos ago. Tried the service for free, due to covid restrictions with going out in public at that time, Did not like the service. Cancelled. I still am being charged this {$12.00} monthly fee. Id contacted XXXX twice. Supposedly can not see my being signed up this grocery home delivery service on their end. Doubting this. Contacted Discover Card twice to dispute and stop this recurring monthly {$12.00} charge. Also for my receiving monthly credits for any prior charges I had not authorized. Was assured they would address this on their end. Yet I still am being charged by XXXX. Have a pending XXXX home grocery delivery {$12.00} charge today.
Product: Debt collection

I pulled my credit report and this company was reporting some debt I know nothing about from a company that no longer exists. I have not received ANY correspondence from this company AT ALL about this alleged debt, yet they are reporting this.
Product: Money transfer, virtual currency, or money service

Money trasfered from credit union to Credit Karma XXXX. I did not authorize this. They will not transfer it backuntil they investigate. They said they have no idea how long this will be!
Product: Debt collection

On XX/XX/XXXX I went to the emergency at XXXX XXXX XXXX   Hospital from a XXXX XXXX. The following month I received a bill of {$270.00}. I forwarded the bill to to owner of the dog because they said they will take care of the bill and they give me a check of the said amount and I took is personally to the hospital and it was settled on XX/XX/XXXX.  Since this payment was made I never ever received any other bill or calls letting me know of any unpaid billof {$280.00} at all. I have been working on building my credit by making all my payments on time for the past six years. Last year around XX/XX/XXXX I received an alert that my credit history had drastically gone down. I launched a dispute through XXXX   to determine what was wrong with my credit and they investigated and informed me that I had a bill that was not paid for XXXX XXXX XXXX Hospital. I called the collectors Common Wealth Financial Systems to find out about this said amount and advised me to find out from the hospital. Therefore I personally went to the hospital and they checked their records and said that I didn't have any unpaid bill unless if it was for the emergency physician Dr . They gave me a No. to call for physicians billing department. I called them and they also said that they could not find any unpaid bill with my name with them. I called the collectors and they explained to me that they were directed by a company called XXXX XXXX XXXX whom they claim were the purchasers of the physicians company. I asked if anybody called or wrote a letter to inform me of this unpaid bill of {$280.00} and they could not give me any answer. I was very absent and disappointed and asked them why nobody including the Common Wealth Financial Systems ( collectors ) nor XXXX XXXX XXXX ever informed me of this unpaid bill before they forwarded it to my credit report. The letter that was issued was after my phone conversation with Commonwealth Financial System for  collection which was to cover up that they wrote a letter earlier trying to recover the unpaid bill received after my phone call on the XX/XX/XXXX claiming the legal time had expired. In the first place how can they say they made attempts when I NEVER received any letter to inform me of the bill. This letter they just issued is the first I ever received. Why would they claim they made attempts and why could they issue a letter like they did after my phone call and after damaging my credit history. I have always paid my bills on time and this could not have been an exceptional. I need an explanation why nobody informed me of the said bill? Legally there should have been attempts either through writing or phone calls made informing me about the unpaid bill and to my dismay no efforts were made.
Product: Debt collection

American Express corporate card was an account that I had for my XXXX XXXXXXXX. The account was in the name of my XXXX. XXXX XXXX. I was not aware that the could make me personally liable for an account that I had for my XXXX  business that I had to close because my XXXX business was shut down for over 1 yr. The aggressive tactics that they used we obscene and I am contacted constantly from the personal legal team. I am not aware of how to handle this situation. The charges that were on my Amex corporate card was for advertising my XXXX  business on XXXX prior to Covid-19. I disputed this charge multiple times because I have evidence of cancelling the ad on XXXX. XXXX refused to let the ad charges go so I disputed through my Amex. I was told to eat the charge or my business listing would be redirected or shut down my traffic through the XXXX porthole. I was told by Amex that XXXX is their customer too. So the ads that never ran were put back on my corporate card in the sum of over {$10000.00}. Then everything got shut down due to XXXX. I tried working out a scenario with Amex and I was so distraught and overwhelmed with everything getting shut down. I have been aggressively pursued and harassed by Amex. I should have been protected due to the XXXX XXXX and my LLC. Insurance of XXXX XXXX dollars.
Product: Credit reporting or other personal consumer reports

No knowledge of many accounts was a victim of identity theft
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has 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 adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Mortgage

Summary of Events Regarding PMI Cancellation Request On XX/XX/XXXX, I submitted my initial request to TD Bank to remove Private Mortgage Insurance ( PMI ) based on an increase in my homes value, which I believed brought my Loan-to-Value ( LTV ) ratio below the required threshold. TD Bank denied my request, stating that my LTV was 86.53 %, and provided a letter outlining my options : either paying down my principal balance to {$500000.00} or waiting until XX/XX/XXXX, when my LTV would naturally fall below 80 %.

Following this, on XX/XX/XXXX, I submitted a second letter appealing their decision. In response, on XX/XX/XXXX, I received an email from XXXX XXXX, Loan Ops Supervisor II at TD Bank, stating that my request was denied again. The reason provided was that my specific loan type does not allow for a new appraisal to reassess my homes current value. TD Bank reiterated that the only way to remove PMI was to pay down the principal balance to the required threshold.

Seeking further clarification, I spoke with XXXX from TD Banks Resolutions Department today ( XX/XX/XXXX ). I wanted to understand why the bank refused to consider my homes increased market value despite the Homeowners Protection Act ( HPA ) allowing for PMI removal under certain conditions. My concern remains that TD Banks rigid policy may not be compliant with federal regulations or fair lending practices.

Currently, my home is valued at approximately {$910000.00}, a significant increase from its original value due to extensive upgrades and improvements made to the property. Given this updated valuation, my Loan-to-Value ( LTV ) ratio is now approximately 64.1 %.

This is well below the required 80 % threshold for PMI removal. The Homeowners Protection Act ( HPA ) explicitly allows for significant property value increases to be considered when reassessing PMI eligibility, especially when improvements have substantially increased the home 's worth. TD Banks refusal to factor in this appreciation contradicts the intent of the law and unfairly forces me to continue paying for PMI when I no longer pose the financial risk that PMI is meant to cover.

Given this continued refusal, I intend to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ) for further review.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , inc ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act. specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. their dispute resolution process was unfair and deceptive as they did not comply with error resolution required under the electronic funds transfer act and resolution e. These action have caused significant inconveniences and financial loss and I seek appropriate redress for these violations