23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and saw multiple unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company XXXX XXXX XXXX XXXX As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX  ) of any sort. 

In regards to The company XXXX XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX XXXXXXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX RE : Unauthorized Inquiries The purpose of my letter is to dispute the following twenty one inquiries that are wrong and unauthorized. Please remove them from my Experian credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( 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 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: Credit reporting, credit repair services, or other personal consumer reports

Fair credit reporting act, Account XXXXXXXX XXXX XXXX  XXXX Account number XXXX has violated my right. 

15.4.s.c.1681 section 604 A section 2. 

Please remove account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian for their failure to properly address my dispute regarding inaccurate items on my credit report. 
On XX/XX/2024, I mailed a dispute letter to Experian via XXXX certified mail ( tracking # XXXX ) requesting an investigation into inaccurate items on my report. Additionally, I disputed incorrect personal information listed on my credit report. To help Experian verify my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. 
Despite my clear and thorough request, I did not receive any response from Experian with investigation results. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the FCRA. 
I am including a copy of my dispute letter sent to Experian as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX Social Security Number # XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following letter is a formal complaint that you are reporting INACCURATE accounts to my credit report. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish because the following accounts do not belong to me and I did not give authorizaton for them to be opened or furnished on my credit report. 15 USC 1681e ( b ) states, Whenever aconsumer reporting agencyprepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am asking for the removal of the following personal information that does not belong to me as well as unauthorized inquiries and inaccurate accounts that I have listed below : The following personal information is incorrect : Name : XXXX XXXX Please Delete My name is : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address does not belong to me please delete from my credit report. 
2. XXXX XXXX XXXX XXXXXXXX XXXX XXXX This address does not belong to me please delete from my credit report. 

My date of birth should read XX/XX/XXXX. On my credit report it reads XXXX which is a year and not a date. 

Please note I give your agency PERMISSIBLE PURPOSE to furnish the following personal identifiers ONLY : My true and correct name should read : XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX Social Security Number : XXXX Please delete any other personal identifiers being furnished. As a consumer, I am able to exercise my right to privacy in lieu of the Fair Credit Reporting Act. I do not wish to have any employment information furnished to my credit report. 
XXXX  XXXX XXXX XXXX The Please delete from my credit report. 


I am also requesting a description of the procedure that was used to determine the accuracy and completeness of this information. Please also forward this information, with the verifiable proof of these alleged accounts belonging to me. 

Please send an updated copy of my credit report to the address below. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. I am confident this will be rectified by your agency in a timely matter. 

With Kind Regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( I have not provided my signature to avoid further imitation or forgery ) I have included documents that verify my identity with this letter : lIdentification lSocial Security Card
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX and Experian credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Product: Debt collection

From XXXX until early XXXX, unbeknownst to me, someone was using my identity in Iowa while I was residing in Illinois. These individuals got payday loans, opened up cell phone accounts, credit cards, etc. After finding out this was happening, I alerted the authorities and credit bureaus. Also, the companies that were on my credit report where the fraudulent accounts were opened. One of those companies was XXXX. I have been a customer of XXXX XXXX XXXX for nearly a decade, prior to that I was a XXXX XXXX XXXX. I have never been with XXXX or made a purchase of any kind from them. XXXX knew this, and XXXX was provided all requested documentation to show this was identity theft. I was assured by XXXX this was taken care of and I would have no issues. And yet I have a collection agency now trying to violate the law and collect on a debt not owed. Without any prior contact they have illegally placed this on my credit report violating provisions of the FCRA and the FDCPA.
Product: Credit reporting or other personal consumer reports

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

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
Product: Checking or savings account

Every time I try to transfer money from Marcus to an account I own at another bank, different problems happen. It is almost impossible to get my money out. Searching XXXX, it is clear I am not the only one Example problems : 1/ Transfer reversed due to suspected fraud ( no phone calls to check anything, just a full reversal I happened to notice ) 2/ Phone rep telling me my birthday or social is wrong 3/ Supervisor hanging up during the handoff from the phone rep 4/ Waiting 20min for a phone rep to get approval just to send me an OTP over text to validate me ( why do they need approval? ) 5/ The bank requiring a three-way phone call with the destination bank to validate my account, despite me already doing that at the website using Plaid 6/ The bank needing a second three-way phone call because they forgot to write down the account number after confirmation 7/ The bank rejecting a second transfer to an approved account even after all of the above 8/ Pull transfers from other banks also being rejected I really feel like my money is being held hostage.
Product: Student loan

I must convey my concern regarding the persistent failure of Nelnet to acknowledge and address your repeated attempts to provide feedback regarding the allocation of overpayments towards loans with the lowest outstanding balances. 

Despite your diligent efforts to communicate your preferences for the allocation of funds, Nelnet has displayed a pattern of disregard for your requests, thereby failing to adhere to the terms and conditions outlined in your loan agreement. Specifically, Nelnet 's refusal to post overpayments in accordance with your explicit instructions to prioritize loans with the lowest debt first constitutes a breach of contract. 

This ongoing failure on the part of Nelnet to comply with your reasonable requests not only undermines the integrity of the contractual relationship between you and Nelnet but also raises concerns regarding Nelnet 's adherence to regulatory requirements governing loan servicing practices. 

In light of these circumstances, I am prepared to take appropriate legal action to ensure that Nelnet rectifies this matter promptly and in accordance with the terms of your loan agreement. It is imperative that Nelnet acknowledges and respects your rights as a borrower, including your entitlement to have overpayments applied in a manner that aligns with your financial objectives and preferences. 

Please be advised that further failure on the part of Nelnet to address this issue satisfactorily may necessitate escalation of this matter to relevant regulatory authorities and pursuit of legal remedies to safeguard your interests and enforce compliance with applicable laws and contractual obligations. 

I strongly encourage Nelnet to reconsider its position and take immediate steps to remedy this situation to avoid any further escalation of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I placed a security freeze on all three bureaus along with a security alert, due to suspicious activity from monitoring services. Experian, however, sent an email confirmation with the name XXXX XXXX and my name is XXXX XXXX. I have never been associated with that name and when performing the security freeze over the phone, it was not a live individual when asking for verification. I was trying to fix this, but in order to do so I have to lift the freeze and it will still not let me speak to a customer service representative to sort out the issue. I have called 2 different numbers found for Experians customer service line. Their online system and phone fail to help me " self-resolve '' the issue. I understand this, then they should add a section in the phone or separate customer service or chat option to help with these matters. I just do not want the freeze removed yet until I can confirm why they have an incorrect name in the first place. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has an account listed on my Experian and XXXX credit reports. The Experian report does not have a recent balance but noted as paid. The XXXX report shows past due {$7500.00}. 

There was never a balance of {$7500.00} even according to documents received directly from XXXX XXXX. The Charge off amount is claimed to be XXXX yet the balance magically increases to {$7500.00}. 

I have disputed this account on several occasions. I have attached documentation Please delete this account immediately from all credit reports.
Product: Credit card

I am filing this complaint against PenFed Credit Union due to a pattern of deceptive, harmful, and misleading practices that have caused me significant financial damage.

Deceptive Practices and Account Closure PenFed Credit Union assured me that my account would not be closed as long as I entered into and maintained a repayment plan. I complied fully with the terms of this agreement. However, despite their assurance, they proceeded to close my account, breaching the agreement and acting in bad faith.

False Bankruptcy Claim to Third Parties PenFed misrepresented to my other creditors that I had filed for bankruptcy, even though I had not done so. This false information prompted several other lenders to close my accounts, causing a domino effect of financial hardship and severe damage to my credit profile. This is a blatant misrepresentation and a violation of fair reporting obligations.

Duplicate Credit Reporting PenFed is continuing to report the charged-off account to credit bureaus, despite having sold the debt to a third-party collections agency that is also now reporting it. This duplicate reporting artificially inflates my debt load, and is both misleading and punitive, especially as I attempt to recover financially.

Failure to Conduct a Proper Investigation When I disputed these issues with PenFed and requested an investigation, they failed to conduct any meaningful review or provide evidence to support their actions. Their lack of transparency and unwillingness to cooperate or correct inaccurate reporting is deeply concerning and violates their responsibilities under federal consumer protection laws.

PenFed Credit Unions actions have resulted in substantial financial loss, unnecessary credit damage, emotional distress, and long-term harm to my financial health.
Product: Debt collection

Me and my spouse signed up for a gym membership under false pretenses and when the manager at the time left, the new manager informed us that we were not allowed to have our children present at the gym. We told them to cancel our memberships as they were now in breach of contract as the previous manager had told us that we could. After talking to the owner of the location he told us, over the phone, that all debts are forgiven and no further action will be taken. 

One month later in XXXX, I noticed an attempt to pull funds from my account, I reported it and it was refunded to me. Same thing happened in XXXX but nothing further. 

XX/XX/XXXX I got a letter from the debt collection agency saying I owed money, I immediately disputed that I owed money and requested a verification of debt. XX/XX/XXXX I got the verification letter, I mailed them back a letter saying I again dispute this debt due to the owner telling me and my spouse that all was forgiven, I also asked for verification that the company could indeed collect a debt in North Carolina. I have not heard back from the company since and when I checked my credit report, debt collection is now part of my credit report. I do not owe this money and the debt is still in dispute, I believe it is illegal for them to do so without putting a note that it is in dispute.
Product: Credit card or prepaid card

I have taken the Bank Of America Balance transfer promotion on my account in XXXX ( XX/XX/XXXX ) XXXX amounting to {$4000.00}. It was given as 12 months of interest-free with a 3 % of the Balance transfer fee. 

I already set up the monthly payments accordingly, but to my surprise, BOA was charging me 18 % interest since XXXX on the Balance transfer. 
When I called BOA regarding this, they communicated that they cant trace the promotion and hence they are charging me the fees. 

When I told them I took this as a promotion and I can also understand there could be a system glitch that you are not able to see that offer, and I also offered them that will pay the entire amount instantly and requested them to drop the interest charge for that they denied that. 
I feel cheated and wanted BOA to refund the interest they have charged me since XXXX of XXXX.
Product: Checking or savings account

My ein for my business XXXX XXXX XXXX is XXXX. The account was closed in XXXX.i am waiting for my check of XXXX. Bank of america gave me the tracking Thank you for using the XXXX XXXX XXXX XXXX Online Complaint System. 
Your complaint has been assigned case # XXXX. 
Correspondence regarding this complaint will be emailed to : XXXX Please print a copy of this for your records. 

Filed on : XX/XX/XXXX Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Filed against : Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Complaint Description : Account closure check not received. The account was closed in XXXX. I was given a tracking of ups XXXX. XXXX says its lost. I need the check to be reissued and given the tracking number. I have waited a very long time and do not want to wait any further. It is an emergency. 
I need the check to be reissued and given the tracking number as soon possible. I have waited a very long time and do not want to wait any further. It is an emergency. It's not my fault that ups has lost the check.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has alsc allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

On XX/XX/XXXX I opened a auto loan and had to pay higher interest due to my debt to income. I was a little confused when I knew my debt to income wasn't that high. So XX/XX/XXXX I went to open a motorcycle loan up. I received a call from the credit union saying I have a excessive amount of payments I make monthly and they were uncertain I could afford the purchase I tried to make. At this point i wanted to see what was going on. After reviewing my credit report the credit union pointed out acima credit was reporting I was making almost $ 800 month payments and failed to report for several months and was breaking federal laws. I had to contact acima and wait for documents saying they made mistakes. This was a very stressful time and still effects me to this day. The balance acima has now is just interest. I paid the total purchase price. I told acima that seeing what I was put through and the fact I'm paying higher interest on my auto loan because of there mistakes that i want the account closed and I'm not paying the interest they want. I even offered to pay a little more but I felt they owed me
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ....