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

I am filing a complaint against Equifax for failing to properly investigating my dispute regarding an accuracies in my credit report. Despite my submissions, Equifax consistently response within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U. S. C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U. S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administration proceeding ( File No. 2025-CFPA-0002 ) against them for similar violations. I request that the CFPB take action to ensure equate complies with federal law and provide consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I have been reporting this fraud activity yet it is still in my credit report. I did not the make any transactions with them. Date Opened was XX/XX/2020 with an amount of {$2800.00}
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees and return item fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting

Requested accounts be verified as 100 % accurate and true and received a response that the accounts were 100 % accurate and verifiable a little over 30 days later. The accounts in question are being reported as open and with a balance but are closed, with no balance and never had any late payments nor interest fees. XXXX accounts for {$6000.00} are reported as {$9400.00} and {$8600.00} with a duplicate account reported as a XXXX and owe amount of {$9000.00}. The other XXXX accounts, both had an original amount of {$4500.00} are reported as open and owing {$5400.00} and {$5300.00}. All XXXX accounts are false!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Consumer Loan

In XXXX of 2014 I took out a loan with Capital One Auto Financial in the amount of {$28000.00} for an auto loan. I came into XXXX XXXX to purchase a vehicle because I had gotten several pieces of mail saying I was pre approved for a loan up to {$30000.00} from Capital one. I am a XXXX and had a fico score of XXXX at that time. The interest rate I was given was 21.74 % and the dealer told me that i had to purchase a warranty for {$2200.00} to qualify although I was presented with a paper to sign saying that I did not. Along the term of this loan I have had two instances where i was approved for due date changes that I did not receive and cause me to have late payments on my credit history. Also I was told over the phone that I was approved for an extension and did not receive that either and caused my payments to pile up. I feel that here it is three years later and I still owe {$23000.00} of the initial {$28000.00} I have borrowed with almost three years of payments of {$710.00} and still have three more years to go. This loan was predatory and I feel that I was taken advantage of. I could not refinance because I 'm so upside down and have no hopes of trading it in either. Now I 'm behind in payments and I am just at my wit 's end and really need your help. Thank You.
Product: Credit card or prepaid card

( My card was lost at 24/7 store on XX/XX/XXXX and returned back to me on XX/XX/XXXX, three fraudulent transactions were made during that period, which are- XX/XX/XXXX - XXXX XXXX XXXX - {$150.00}, XX/XX/XXXX - XXXX   XXXX- {$7.00}, XX/XX/XXXX - XXXX XXXX XXXX XXXX- {$27.00} ( Police report attached with claim ) Already faxed the claim form to barclays on XX/XX/XXXX, also filed a police report on XX/XX/XXXX. ( see attached ) Haven't heard from barclays since, barclays is not trying to resolve the matter.
Product: Credit card or prepaid card

On Friday XX/XX/XXXX while attempting to use my debit card to pay for XXXX XXXX, my card was declined. Assuming that the reason that it was declined was an automated security check I proceeded to wait 10 minutes for a phone call or an email requesting my personal information to verify that it was me using the card at that current time. When I didn't receive any security alert I contacted the customer service number listed in the mobile phone app and I was told that my card was blocked for a security check. At which point, I was placed on hold for 15 minutes and then the call disconnected suddenly. I immediately called the customer service number again and again ; the same result. After trying to get the issue resolved I gave up for the day with the intention of contacting the customer service number in the morning. On Saturday XX/XX/XXXX I reached out to customer service to get the security issue resolved and I was told that my account is being restricted due to an event that happened in XXXX of XXXX. 

However, I have used my card for several transactions since XXXX of XXXX so there's no logical reason for blocking me on a Friday in XX/XX/XXXX behind a " suspicious '' transaction in XXXX.
Product: Debt collection

Today date, XX/XX/2019 I received a noted from LVNV Funding LLC. Stated that I contact this Company with in 30days, I called to make settlement agreement with them. As first we agreed upon {$720.00} make monthly payment in the amount of {$75.00} on third day of every mouth, I gave them my bank account number, then they backed out of the agreement they wanted the total of {$1.00} dollars that is the amount they said I owed, my credit limit is {$500.00}. I was willing to pay {$720.00} per their offered. Then they said they wanted the whole {$1200.00}. I have had tried for 7 times now, didnt come to solution
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Immediate Deletion of Reinserted Account XXXX XXXX  Account Number : XXXX Dear Sir/Madam, I am writing to formally request the immediate deletion of an account that has been improperly reinserted into my credit report. The account in question is XXXX XXXX # XXXX, which was previously deleted from my report following a successful dispute. Its reinsertion violates my rights under the Fair Credit Reporting Act ( FCRA ) because the required legal procedures were not followed. Under FCRA Section 611 ( b ) ( 5 ) ( B ), if a previously deleted account is reinserted into a credit report, the credit reporting agency is required to : 1. Notify me in writing within five business days of the reinsertion. 2. Provide verifiable documentation from the information provider that supports the reinsertion of the account. As of now, I have not received any written notice or supporting documentation regarding this reinsertion, which constitutes a direct violation of my rights under the FCRA. Additionally, under FCRA Section 623, information furnishers are required to : Ensure that all information they report is accurate and complete. Correct and update any inaccurate or incomplete information they provide to credit reporting agencies. Furthermore, FCRA Section 604 mandates that any information included in my report must meet specific criteria for validity and relevance. In this case, the account does not comply with these requirements, as it was not validated prior to its reinsertion. I am formally requesting the following : XXXX. The immediate and permanent removal of the XXXX XXXX Account Number : XXXX account from my credit report. 2. A written explanation of how and why this account was reinserted, including verifiable evidence provided by the creditor, if applicable. 3. Assurance that steps will be taken to prevent any further improper reinsertions. I expect a prompt response and resolution to this matter within 30 calendar days, as required by law. Please confirm receipt of this letter in writing.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) A states " 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. XXXX XXXX XXXX XXXX states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681tb of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX BANK account # XXXX, US DEPT ED account # XXXX, XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX BANK account # XXXX, XXXX XXXX account XXXX XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, has violated my rights. 

You have VIOLATED multiple laws. 
15 U.S.C 1681i 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
You DID NOT have my written instructions to do so. If so, PROVIDE THEM. 

I command that these accounts be permanently deleted from my credit profile or you will be held accountable and responsible for {$1000.00} per violation.
Product: Bank account or service

XXXX. 

Bank in question : BB & T, XXXX. 

Problem : I have an existing account, a basic senior citizen checking account. The account was opened when the bank was XXXX XXXX, now taken over by the unfriendly mindless outsider, BB & T from XXXX. They are completely clueless. I was sent an e-mail, informing me that my new printed checks and ATM card were ready for pickup. I had a mind-numbing conversation with XXXX XXXX, at XXXX XXXX XXXX XXXX branch.. Phone number XXXX,. Fax XXXX, e-mail : XXXXXXXXXXXX. I presented my expired XXXX driver 's license ( no longer drive : laminated plastic including, my photograph, plus a Blue Cross/Blue Shield card, embossed by Blue Cross with my name, an XXXX XXXX member card, also bearing my name, and my official Senior Citizen XXXX-issued bus pass, valid anywhere in the state of XXXX, funded by proceeds of the state lottery, also bearing my full name, card number XXXX. 
BB & T REFUSEDto hand over my new card and checks, stating that, their doofus " policy '' required a current photo identification card. I explained to XXXX XXXX, several times, that I wanted my money, earned thru years of XXXX. She claimed she would NOT be able to comply with my request without the silly photo i.d . card. UNACCEPTABLE. I deposited the money, a United States Savings Bond, XXXX, assuming I could spend, my personal savings towards a few items I planned to purchase prior to XXXX holiday ; XXXX, a digital camera, a few gifts for family members, etc. BB & T is holding MY MONEY hostage. I demand both state and federal agencies with oversight of banking regulation compel BB & T to answer the question : Why ca n't I withdraw MY MONEY??????????????????????????? 
BB & T should be, held liable for my incovenience.. Someone should be compelled to testify, under, oath, concerning BB & T 's mysterious attitude towards cosumers, which is cold, non-caring, and simply not acceptable. BB & T should leave the state if this the norm. 
XXXX consumers demand and deserve better. Period. I served FOUR YEARS XXXX.
Product: Payday loan, title loan, or personal loan

At the release of the new XXXX XXXX in XX/XX/2020 the only remaining XXXX  required financing through Citizens One. Although immediately " approved '' XXXX ran into supply issues and notified there would be no XXXX. I then tried to work with XXXX/citizens to make sure my credit report would not be impacted. During this process XXXX was able to secure XXXX for people who had this issue. I setup autopay but never received any confirmations. I also made a direct payment and no confirmation email. This eventually lead to two missed payments. When I explained the issue to citizens they fixed the account, fixed the penalty charges, and agreed to fix the credit reporting. Citizens Billing shows on XX/XX/XXXX they emailed internally a credit dispute group. They stated they have no way of knowing if this group read the email/took action or additional way to get followup. Citizens will not provide email address to work toward resolution in writing. They've advised to also file through credit agency direct to which the inquiry was rejected. I do not believe their internal ( Citizens ) credit dispute department has reviewed the account, calls notes, and commitment on file that they would resolve this. Our credit score was impacted 75 points making it so though preapproval for a new home loan is skewed 10 's of thousands of dollars over the life of the loan due to the lower score. I'm at witts end.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
Product: Debt collection

I sent a letter around XX/XX/XXXX stating that I do not owe this debt because I have never had an account with that place or visited that place, and they have me confused with a different person. I asked why do they believe I owe that debt. A copy of the invoice was sent and that person is not me. I sent another letter stating they have an address on the invoice and that address is in XXXX not in the USA. I have never lived in XXXX. I asked them to remove my name and information and all information regarding this debt and to not contact me again and to provide in writing that they have removed all information pertaining to me and to contact the correct person to pay this debt, I have recieved nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Potentially impacted by the security breach at Equifax in XXXX 2017. Went to their portal and entered my personal details. By Equifax 's assessment, my data may have been hacked and improperly released to outside parties. 

Checked my credit report with XXXX and nothing fishy as of yet, but I can not afford to keep buying credit reports once my 1 per year with the three credit unions runs out. 

I have also put a 90-day fraud alert on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard hit on my experian credit report that I did not authorize. I tried to file a dispute online but they do not take credit inquiry disputes online so I called. They advised they would not investigate the credit inquiry because the FRCA says the bank has to remove it. Even if the bank fraudulently does a hard pull without permission. I disagree with this as a bad bank will of course not care since there is no repercussion.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 I made the decision to trade in my XXXX  XXXX that was being financed by Prestige Financial services to XXXX of XXXX for a XXXX  XXXX. My payment due date was XX/XX/XXXX. I was waiting for the vehicle I ordered to arrive before signing the final paperwork. The dealership assured me it would all happen before XX/XX/XXXX so I would not be 30 days late on my current car payment. I notified Prestige Financial in XXXX of my intention to trade in my car, they informed me I would be responsible for payments until the car was traded in. In the research I conducted under Utah law it states that once a vehicle is sold or traded in to a third party it is no longer my financial liability and if its done within the 30 days of my payment date i should not be reported as 30 days late. The XXXX  XXXX was traded in to XXXX of XXXX and they received a 10 day payoff from Prestige Financial on XX/XX/XXXX. The deal for my new car and trade in of my vehicle happened the same day well within the 30 days of my payment being considered as 30 days late. I was shocked to see that Prestige Financial reported me 30 days late and have damaged my credit score, hindering my chances of getting a refinance of my current mortgage loan. I have reached out to them respectfully and professionally in an attempt to have them correct their mistake. I have supplied them with information and legal documents explicitly showing how the vehicle I had financed with them was traded in and a payoff agreement was made between myself and XXXX of XXXX on XX/XX/XXXX well before the XX/XX/XXXX deadline for late payment. Regardless of my efforts and time spent attempting to reach a rational and just solution they have denied my request repeatedly, only stating that they were accurate in their reporting. I have read over the contract i signed with Prestige Financial, and there is no clause or directive on trade ins and financial obligation when a vehicle is traded in. With that being the case we must fall back on federal and state laws with regards to vehicle trade in, third party pay offs and credit reporting which as stated absolves me from the contractual financial obligation once the vehicle trade in and pay off has been initiated. The issue here is Prestige very strongly informs me they must report accurately to the bureau but they misreported a late payment to the credit bureau which should have never been done. Once I made them aware of their error they knew an error was made, were aware of their mistake and had the ability to rectify it but refused to do so.
Product: Mortgage

I have been trying to take my mortgage off of the COVID assistance program since XXXX for a XX/XX/XXXX payment. I have been given the run around for the past month and half! I request for a manager to me back in XXXX after the us bank mortgage rep could not tell me the details of my higher mortgage payment went up by {$200.00} and he said quote I dont know at that point I told him to put whole thing on hold and request a manager to call my wife or I back! Im still waiting for that call! 
We have called back and received different responses from different people! Im tired of being a ping pong! This is not right! 

Im doing a partial claim not a loan mod! 

They say payment is XX/XX/2021 but I have not received one document about this! I dont even know the payment! 

My PITI payment is {$1800.00} normally, why did the payment go up? They cant answer that!! 

How many times do I have to request a department manager to call me because we have been told I dont know why this amount is what it is! 
Also no spoc person either! I keep getting different people. 

How is this? This is a complete violation of TILA and RESPA This is not rocket science as I have over 15 years in the mortgage industry including over 5 years in loan serving the past 5 years! 

Everything should be moved to the back of the loan or a partial claim done! Once the partial claim is completed then US bank gets all the money back! I refuse to double pay, like they are doing! 

Not right or fair to the consumer and will be sending a complaint to FHA as well!