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

I HAVE DISPUTED AND SUBMITTED SUFFICIENT EVIDENCE IN REGARDS TO INCORRECT DATA REPORTED WITH ALL THREE CREDIT BUREAUS. I HAVE ALSO SUBMITTED A POLICE REPORT TO SUPPORT THE FACT THAT MY IDENTITY WAS STOLEN. I HAVE BEEN FIGHTING WITH THE BUREAUS FOR OVER THREE YEARS NOW ALONG WITH OTHER CREDIT REPAIR AGENCIES THAT I HAVE HIRED TO NO AVAIL. THE ACCOUNTS ARE LISTED BELOW AND HAS CAUSED GREAT XXXX, XXXX AND XXXX. I AM UNALBE TO MOVE FORWARD IN MY XXXX CAREER HAVE NOT BEEN IN XXXX. I AM TRYING TO PURCHASE A HOUSE!! POLICE REPORT # XXXX XXXX XXXX XXXX Negative Account Info Account NameXXXX XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$580.00} past due as of XX/XX/XXXX. 
Status UpdatedJul XXXX Account Info Account XXXXNORDSTROM/TD BANK USA Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 
Status UpdatedMay XXXX Account Info Account NameXXXX Account XXXX Account TypeSecured Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedXXXX XXXX Account Info Account NameXXXX - XXXX XXXX Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXXXX StatusOpen. {$110.00} past due as of XX/XX/XXXX. 
Status UpdatedJul XXXX Account Info Account NameXXXX XXXX  Account NumberXXXX Account TypeCell Phone ResponsibilityIndividual Date XXXX StatusCollection account. {$2300.00} past due as of XX/XX/XXXX. 
Status UpdatedJan XXXX THIS ACCOUNT IS ONLY SHOWING ON XXXX AND NOT XXXX. 
Record Details Record Type XXXX XXXX  bankruptcy XXXX Reference Number XXXX Responsibility Individual Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Reinvestigation Info This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On Record Until XX/XX/XXXX XXXX
Product: Student loan

They said due to my loans being private the only option I had was to extend my payments out an additional five years to save {$75.00} dollars. My only options before were forbearance or interest only payments. Literally half of my take home goes to paying my student loans and they are doing nothing to help me.
Product: Mortgage

National Default Servicing Corporation ( NDSC ) did not provide the required pre- Notice of Default ( NOD ) outreach as required by California Civil Code XXXX. 
Please refer to Consumer Financial Protection Bureau complaint XXXX where NDSC admits the Substitution of Trustee was executed on XX/XX/2016 and recorded on XX/XX/2016. Therefore, any correspondence addressed to me was provided by NDSC prior to the date of execution of the Substitution of Trustee was done before and outside of their role as Trustee and as a shady debt collector who had not been authorized by the bank to commence debt collection activities and including beginning foreclosure processes. Thus, the required pre-NOD outreach had not been satisfied. 
All previously requested resolutions are desired.
Product: Credit reporting or other personal consumer reports

XXXX is violating my rights by continuing to report inaccurate information to my consumer report the other XXXX agencies have removed the information XXXX is refusing to uphold its legal obligation and I demand that all inquiries and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all be deleted immediately from my report
Product: Debt collection

I was a victim of the XXXX security breach, I checked my credit and I have five open accounts in the negative that are not mine. The only thing on my credit should be two XXXX loans. I have attempted numerous times to clear this up and nothing. I am part of the class action law suit against XXXX can you please tell me how to take care of this I have contacted all three credit agencies. I have gave them the accounts but I haven't heard back from them
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and do not belong to me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

An item is listed on my credit report from the company. I am not aware of any account from the original creditor at the time the account is stated it was opened. I have disputed the account with the credit reporting agency several times, but the issue has not been resolved. I have no idea where this account came from as I have not had an account with the original creditor in many, many years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to mail me my certificate of insurance and summary of benefits for the free monitoring service they are providing because of their security breech.
Product: Credit card

I am being charged interest on XXXX balances. I have paid off my credit card XXXX months in a row. XXXX and XXXX. I was still charged interest. I was told by a rep that they charged interest daily and even though I paid my balances off completely, I am still being charged interest. Why are they allowed to do this?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported my account delinquent on XX/XX/2020 before payment was due, then again on XX/XX/2020 after payment was made on XX/XX/2020. My payment is not 30 days past due and they reported again on XX/XX/2020. I understand if Im 30 days late they can report but multiple delinquent report with less than 30 days past due is a violation of reporting laws. I asked that they remove the incorrect reporting and I was told no. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report number XXXX I am filing this complaint because Experian has ignored my request to be provided with the documents that their company has on file that was used to verify the accounts I disputed. Being that it has been 60+ days, far beyond the 30 days permissible by law and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have made a request of them to investigate. Please resolve this matter as soon as possible. Thank you.
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 investigation of disputed information on my credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to provide 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 disputed 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: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft 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: Vehicle loan or lease

I have reached out twice to Bridgecrest Bank, who currently holds my vehicle 's Lien, which I bought in early XX/XX/year>. Shortly after, I received military orders to PCS ( permanent change of station ) OCONUS, and in order to ship my car on the military 's dime, one of the documents required is a Lienholders authorization letter. So I called the Bridgecrest, and made the request, submitted my orders per the instructions, and my timeline. A month passed and didn't hear back. Now it's been XXXX months, so I called back to check the status, and this time I was told that in order for me to receive this letter I have to pay an additional {$1800.00} ( XXXX more payments ) before they could release this letter. This is unreasonable and not to mention never initially part of the original contract or conversation I had in XXXX. I am to ship this car on XXXX XXXX and this issue is against the Service Member Civil Relief Act and adding additional unwarranted stress to an already stressful situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6300.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.
Product: Debt collection

OneMain financial debited my bank account for {$310.00} on XX/XX/XXXX for a debt I owe when authorization to do so had been revoked back in XX/XX/XXXX. I was laid off last year and could no longer afford this debt, so I discussed with the local branch who agreed to cancel my auto pay. I had credit insurance which was paying this bill until I couldn't prove my unemployment any more because of fraud on my state benefits by a third party. They put me in collections in XXXX even though explained still not working and 3 months later debited my account without permission. When I contacted them, the rep said he saw notes from XXXX even illuminating that they would pay for a stop pay fee back then due to the error. He agreed to refund the money but subsequently hung up on me. When I called back and got the same rep on the phone, he claimed was an accident and that he could not get any of his 5 supervisors on the phone to return my money. Again, they debited my account without permission as I had revoked that access back in XX/XX/XXXX and admitted that he saw that.
Product: Debt collection

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PERFECTION COLLECTION LLC XXXX XXXX.
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. 

Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Vehicle loan or lease

We asked to be released from the loan, when we noticed they closed the Account without warning.There also charging the account while its closed at the same time. We found out the vehicle was a rental which wasnt disclosed not only that, its been in several accidents. We tried taking it back after we seen the report on the XXXX which the dealership provided. Heres the problem they asked for money down which was {$4000.00} then we was paying on time every month & in a 10 month range the total of the vehicle never declined nor decreased. At the moment we do not have the vehicle & we are still being charged for the vehicle after they closed the account. All we want is to be released from the loan as soon as possible. I feel like they ripped me off & never did anything about it when I brought it to there attention. I have read they not only did it to me & my wife but theres others the pushes over & made threats too. Consumer portfolio service is the company
Product: Debt collection

I have noticed this specific charge-off on different credit reports for over 15 years and keeps going to different collection agencies and starting over the age of the account as well as the report date. I have put this same company/debt in my XXXX report years ago and seen it taken off, now it's back reporting negatively on my credit report hindering me from obtaining personal credit and business credit. The collection agency is Eastern Account System for {$1700.00} original lender name ; XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX, EQUIFAX, and XXXX has violated my rights by furnishing accounts on my consumer report without my written instructions. These are the account that was furnished on my report without my consent. 
XXXX Account # XXXX Dept of Education Account # XXXX Dept of Education Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX ( XXXX ) accounts same number Dept of Education XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Inquiries : Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 602 ( A ) State I have the right to privacy.

15 USC 1681 604 ( A ) section 2. State a consumer reporting agency can not furnish an account without written instructions from the consumer. I am the consumer and I have not given anyone consent to furnish anything on my consumer report.
Product: Money transfer, virtual currency, or money service

I'm writing to formally share my concerns about Zelle 's dispute resolution process, especially in view of the recent CFPB complaint that brought to light serious problems with the platform. Despite my repeated use of Zelle and my reporting of inconsistencies, neither Zelle nor my banking institution sufficiently looked into my claims. They told me that it was impossible to track these transactions and to reclaim lost money. According to the CFPB 's findings, Zelle has not only failed to safeguard customers but has also let repeat criminals to take advantage of the system, making users susceptible to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to Equifax regarding information that should be excluded from the consumer report per the FCRA. Additionally, the violation ( s ) that was committed by Equifax. By not honoring my request as a consumer it is not only causing a lack of trust, also breaking the law, and causing defamation of character by continuing to have these erroneous items on the consumer report that Equifax has no consent to have in the first place. The violations that have been committed by Equifax are as follows. Equifax violated 15 USC 1681b ( a ) ( 2 ) when the consumer submitted written request to have listed information removed ( letter attached ). Equifax also violated 15 ISC 1681a ( 2 ) ( b ) as the listed items should be excluded from the consumer report.

I have attached my written instructions per the FCRA
Product: Debt collection

JTM Capital Management sold my account to XXXX XXXX XXXX. Account was settled with and XXXX. Submitted disputes to CRA to have removed. JTM is refusing to remove from Credit Report. Made several attempts in contacting the Collection Agency but keeps getting voicemail or hung up on.
Product: Checking or savings account

I reported fraud on my account on XX/XX/2021. Ive sunce been locked out of my account by Moneylion fir several weeks. I have 5 paychecks that were direct deposited into my account that I can not access. My car is being repossessed and possible eviction. I just want to pay my bills with my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things ; DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( XXXX XXXX XXXX XXXX XXXX XXXX/SUNBIT ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME. 



If you accept my request, I will not escalate this matter to Federal Court. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

sincerely, : XXXX XXXX XXXX. 

All Rights Reserved Without Prejudice
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXXXXXX ..... Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX will not give me my so-called free credit report. They exposed me to identity theft and now block me from seeing the data they have collected me without my knowledge.
Product: Mortgage

I was contacted by Chase XXXX XXXX on XXXX XXXX, XXXX with an offer for a HARP refinancing with no closing costs, no appraisal, easy process. I met all the criteria listed in their email. I was told that I had a superb credit rating. As the process went forward I was assured by the Chase representatives that my refinancing loan was approved, and we were just looking for a date I could sign the papers. Everything was in place. Then I kept being asked for more information, and more information. I was told my loan was not being approved because I have a residence in XXXX. They had always known this information and knew it at the time I was told the loan was approved. I told them that I pay state taxes in Colorado, have an address there, and vote in Colorado. Yet, six weeks later, I was still told that a senior underwriter was turning down the loan.I have included the original email. I met and continue to meet all the criteria listed in that email. It looks like they created a way to turn down the loan that was outside their stated criteria. 

I had exactly the same experience with Chase in XXXX. At that time Chase again told me that my loan was fully approved, and did n't require any documentation. The Chase mortgage representative kept being puzzled when I was asked for more information, then more information, then more information. He said that nowhere in this loan was I supposed to even be asked for that additional information. Again, the loan was turned down. 

At the very least, Chase XXXX XXXX can not be trusted to follow through on their commitments. I wasted a great deal of time and effort providing all that I was asked to provide, signing all of the forms, etc. I was told the loan was fully approved, but Chase did not honor that commitment. 

There is an additional piece of information that I would prefer NOT be included on consumerfinance.gov. Several years ago I surfaced unethical behavior on the part of a senior Chase loan officer. It 's reasonable to wonder if being asked for additional information, and finally having two loans turned down after I was assured and promised that they were approved, may be in some way be payback.