23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Chemical Bank did not send out invoices for XXXX. 
While I paid on time, and they claim no interest charges would accrue, they are now soliciting me for further services with their company. 
Today, Mr XXXX XXXX from the XXXX office ( NMLS # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) requested I call him for further services.

I have requested them not to solicit from me in the past. ( Date unknown, given verbally ) This is unacceptable.
Product: Student loan

Navient is my Student Loan Servicer. Every month during 2016, and possibly before, my payment owed was displayed on Navients webportal. The total was XXXX and some change. Each month I would pay that exact amount ( on time ) without a second thought. It wasnt until I saw my principal balance increase by several thousand that something was amiss. I called customer service and they shared that I should have been paying more due to my loan at some point being restructured. I tried explaining that the amount due that was displayed on the web portal was the XXXX, but they said its my responsibility to know how much Im really supposed to pay! ( ( (???? ) ) ) Because I wasnt paying the actual amount due ( which I still am unaware of to this day ), the remaining difference was placed back on my loan and interest compounded. 

This response makes absolutely no sense. If my payment changed, it should be reflected.
Product: Credit card

Verve has consistently charged me more than the listed minimum amount due on my strangeness. XXXX XXXX is set up to pay the minimum amount due and they've attempted to pull out digit mdouble resulting in overdraft fee from my bank as well as returned check fee from credit card company since I expected them to only take half of what they attempted to withdraw there wasn't enough to pay what they tried to pull.
Product: Credit reporting or other personal consumer reports

I have been disputing for 6 months and this company has broken several FCRA violations. This company has sent STALL LETTER AFTER STALL LETTER! Instead of addressing the actual problem which is another FCRA violation. I will be filing an additional compliant with the XXXX  and AG! 

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.

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.

I believe I am owed monetary damages for the emotional distress this has caused. I have been getting denied left and right because of this companies FAILURE TO DO THEIR JOBS! 


Accounts listed for reference : 1. 1681i. - Procedure in case of dispute accuracy XXXX  XXXX Account Number : XXXX Delete- XXXX  this account immediately, unless you want to be held for incompliance of the FCRA/FDCPA up to XXXX per violation or actual damages! 

2. 1681i. - Procedure in case of dispute accuracy XXXX XXXX Account Number : XXXX This account is inaccurate per the FCRA XXXX Delete-XXXX  this account as it will soon be involved in litigation. 

3. 1681i. - Procedure in case of dispute accuracy XXXX XXXX Account Number : XXXX This account is inaccurate per the FCRA XXXX Delete-XXXX  this account as it will soon be involved in litigation. 

4. Section 1681n - Civil liability for willful noncompliance XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurate per the FCRA XXXX Delete-XXXX  this account as it will soon be involved in litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Education loan shown on credit was fraud. The school was a fraud and education credentials were not honored. Numerous attempts to remove from credit report. Unfair fico score reporting as well.
Product: Credit card or prepaid card

I applied for this card. Services were never authorized or accepted. The card was fraudulently activated the company says. 

I have never used or activated this service. The company file a late payment to my credit bureau for an ever increasing amount. 
I have spent over three hours on several phone calls with the company. I have even been assured that the balance was settled and account was closed. Still, my credit score was damaged for false late fees. The company now wants {$90.00} for services never provided or accepted.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attenttion that the Equifax Reporting Agency is not complying with the Federal regulation. I am submitting this CFPB Complaint to request to Equifax Credit Bureau to remove the disputed erroneous accounts that are still reporting to my Equifax Credit report. The following accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00}, are only reporting with Equifax Credit Bureau and were already removed from the other Credit Reporting Agencies. Also, I noticed that the dispute status of the disputed accounts are indicating " Account not Disputed '' despite the fact that I have been disputing these accounts for 6 months already. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately
Product: Mortgage

My mortgage payment went up more than what I can afford because XXXX XXXX XXXX who initially processed my home did not prorate my taxes correctly even though they had the appraisal and even after I questioned the amount, they had vs the appraisal. 

My payment went from XXXX to over {$2500.00} a month. I have attached a letter and documents for your review. 

Thank you in advance. 

PS, issue started with XXXX XXXXXXXX XXXX and ends with Chase.
Product: Credit card

Synchrony Bank issues credit cards for XXXX. In XXXX they canceled my card that I have had for XXXX  years. I had a XXXX balance. I was told it was due to me boing late on payments to another bank. I live in XXXX  and have been in a declared disaster area for XXXX hurricanes. For a period of time I was not getting mail and did have issues with statements, power for my computer and getting some payments paid on time. Other banks took this into consideration. Not Synchrony Bank. Note, my credit is very good. I have reached out several times to Synchrony bank to reinstate the card. They refuse to even consider doing so. Canceling my card has damaged my credit score and is quite insulting having been a customer for XXXX  years.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On Equifax the date last active is ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and on XXXX XXXX XXXX If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

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

All information untainted and being reported has been fraud. I have not supplied proof under the doctrine of estoppel by silence, Engelhart v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debts, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

This company ( XXXX XXXX ) has harassed me for years stating that I owe money to XXXX XXXX Apartments. I never lived in these apartments. I repeatedly told them this only to be treated disrespectfully and rudely. Over and over again. I am in the process of taking out a loan and this is showing on my credit report which is delaying my loan approval. I called and spoke to the owner of the company who told me that I do not owe this money but states that he can not give me a letter on letterhead stating that I do not owe this money because his company does not do this. The owner states that Experian put this on our credit report. Not him. He refuses to help in anyway to clear this fraudulent charge on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX for violating Regulation P of the Code of Federal Regulations ( CFR ) by unlawfully disclosing my private financial information to third parties after I submitted a notice of my intent to opt out. Regulation P requires financial institutions to provide consumers with the right to opt out of certain disclosures of their nonpublic personal information to nonaffiliated third parties. Upon receiving an opt-out request, the company must honor the request and cease sharing the consumers private financial data with nonaffiliated third parties unless otherwise permitted by law. 

I submitted my opt-out notice to XXXX through a previous CFPB complaint, clearly stating that I did not consent to the sharing of my financial information. Despite this, my private financial data was reported to Experian, XXXX, and XXXX, all of which are nonaffiliated third parties as defined by Regulation P. A nonaffiliated third party is any entity that is not part of the financial institution 's corporate structure. Credit reporting agencies like Experian, XXXX, and XXXX are separate entities and are not affiliated with XXXX XXXX. Therefore, sharing my information with them after I opted out is a clear violation of the regulation. 

Regulation P requires that once a financial institution receives an opt-out notice, it must implement policies and procedures to ensure that the consumers private financial information is not disclosed to nonaffiliated third parties. By continuing to report my information despite my explicit opt-out request, [ Company Name ] failed to comply with these legal obligations. 

In addition to my original opt-out request, I am reiterating my opt-out notice as part of this complaint. I DO NOT CONCENTTO THE SHARING OF MY PRIVATE FINANCIAL INFORMATION with any nonaffiliated third parties, including but not limited to Experian, XXXX, and XXXX.
Product: Debt collection

Columbia Debt Recovery, Its been XXXX months seens I have been communicating with Columbia debt recovery and they refuse to remove the collection on my credit report. 

The case between my landlord and I was dismissed.I sent Columbia the court order for the invalid debt still they refuse to remove. 

I need help this has damaged my credit into XXXX points, I plans to buy a car this XXXX But they ruined my credit on a debt that was dismissed by court .Makes no sense they pressure me into paying on discount for a debt that doesnt exist. 

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

Companies doing hard inquires days with each other. Causing  XXXX  or more hard inquires to hit my  credit score f or  XXXX  company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

EQUIFAX DID NOT FULFILL THEIR FCRA 611, 15 U.S.C.1681i, REQUIREMENTS FOR REINSERTION OF PREVIOUSLY DELETED MATERIAL, SEE BELOW EXPLANATION. 

ON XX/XX/2021, I DISPUTED XXXX XXXX XXXX XXXX ACCOUNT # XXXX, WITH EQUIFAX, ON NOVEMEBR XXXX EQUIFAX REMOVED THIS ACCOUNT FROM MY CREDIT REPORT. 
I WAS SHOCKED TO SEE THE PORTFOLIO ACCOUNT BE REINSERTED ON XX/XX/XXXX TO MY EQUIFAX CREDIT REPORT. 
EQUIFAX FAILED TO GIVE ME A 5 DAY NOTIFICATION ABOUT REINSERTION OF THIS ACCOUNT AND EQUIFAX DID NOT FURNISH ME PROOF OF CERTIFICATION BEFORE REINSERTING THIS INVALID ACCOUNT, BOTH BLATANT FCRA 611, 15 U.S.C 1681i VIOLATIONS.
Product: Credit card

I am writing to your agency because I am very upset the way my credit card company ( Capital One ) handled my claim. I disputed the charges of {$780.00} on XXXX/XXXX/2016, {$59.00} on XXXX/XXXX/2016 and {$59.00} on XXXX/XXXX/2016 made by this fraudulent company called XXXX on my card on XXXX/XXXX/2016. These company called me and the representative was very persuasive. I had several contacts approach me by phone on how they were upgrading my site for the world to see it. I did n't understand on what to do. I have never been in this field of marketing. I ended up paying to several companies. All I was looking for was to make an extra income to pay bills. I was approached as owning my own business and bringing in extra cash. But in order to make money I would had to pay even more money to all these companies calling me and pushing me their services as necessary to my online business. And they always call you for more money, meanwhile I kept paying for more services and they were never provided. I was losing sleep unable to think worried about how to pay off creditors. Capital One denied me for the wrong reasons. I was disputing as services not rendered. And is not a billing error. I did agree to pay for their services but they never provided me with them. I tried to resolve with the company 's first but after you ask for a refund they ignored me.
Product: Checking or savings account

Ref Regions Unauthorized Transactions Claim # XXXX. On Saturday XX/XX/2018 we discovered fraudulent purchases on our checking account that was made through a debit card. We cancelled the card ASAP and reported the fraud. We were advised to go in and file a complaint when all items had posted. My wife went to regions in XXXX Al on Tuesday XX/XX/XXXX. She spoke with XXXX XXXX and gave him a list of items that were on our account that we had not purchased. 4 of the 8 items  were in regard to play station. Upon completion of Regions claim my wife saw an additional charge that was added to the list that was a legitimate purchase for our son ( XXXX ) on his play station account. My wife advised XXXX XXXX 2 times that purchase was not a fraudulent purchase. He said that it needed to stay on the claim. My wife went back into the bank again within in 30 minutes and again advised she wanted that removed from the claim and was advised it could not be removed. Therefore XXXX XXXX has made a fraudulent claim after being advised 3 times of the truth. We have made multiple attempts to correct and resolve this matter and can not get any clarification or written proof that this has been corrected. I have been hung up on when discussing this with corporate. We just want it to be documented that the charge on XX/XX/2018 is a charge that we made and we owe. We also do not want the fraud investigation to be held up or overturned because of a fraudulent claim by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a complaint with CFPB -Complaint Number XXXX. In there response to the complaint Equifax stated it would send me the results that the company provided them from the investigation. As of today they didnt. It has been over 8 months that I originally filed a dispute about these 2 Erroneous items. I have filed several disputes and this is my 3rd complaint with the CFPB and Equifax has continuously disregarded the FCRA and my consumer rights and have never given me the results of the investigation ( s ) from my multiple disputes and complaints. I have continuously asked for proof how they keep coming to the conclusion that these 2 erroneous items are mine. There is no proof because they are not mine. The only thing Equifax keeps sending is a copy of my credit report. They are continuously ignoring my request. Underneath this is the complaint I filed on XX/XX/2020 in which Equifax refused to comply and outright LIED about what they would send me : On XX/XX/2020 I disputed 2 items on my credit report that dont belong to me and are erroneous items on all 3 of my credit reports. XXXX  and XXXX  investigated and removed them from my credit report. Equifax has refused to remove them from my credit report. The creditor is XXXX/XXXX  one in the amount of XXXX and the other in the amount of XXXX. I sent Equifax customer complaints about this company how they magically appear on peoples credit reports and I have repeatedly contacted this company and they continue to give me the run around without any assistance. On XX/XX/2020 I wrote Equifax and requested that they send me information including names of how they completed there investigations and gave them a time limit to respond to me and to no avail Equifax has never supplied me with the information I requested and it has been over 5 months. By law Equifax is required to remove these erroneous items from my credit report.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX XXXX
Product: Vehicle loan or lease

There is a multi-state class action against illegal lending practices. As a customer I'm experiencing problems with loan forgiveness on a car title. I contacted Santander in hopes to get my loan forgiven, or to get it modified. As of today they are charging me XXXX in interest on a XXXX loan. I have already paid off XXXX on the balance. The state of Texas isn't included in the class action, but the state of Louisiana is. Which is where the car was purchased. 
Over XXXX approved by the courts, for settlement payments, and loan forgiveness. 
I have reached out to the Attorney General of my state and the XXXX XXXX who is in charge of the settlement. 
I need help in getting Santander to do the right thing and actually help consumers. 
Over XXXX consumers having the same issue, please refer to the link for more on who other consumers are experiencing. 
Please help us bring light to this situation, instead of letting lawyers take advantage of the funds, and leaving consumers buried in debt with no capable resolution. 
https : XXXX
Product: Checking or savings account

Chime bank did really help me resolving my unauthorized transaction l. They would later deny this the next day without trying to help me. This cost me {$9200.00}!! This hurt me financially! They didnt give me a good explanation why it was denied!
Product: Debt collection

I explained that I do not owe any debt nor do I have a contract with them
Product: Bank account or service

On XXXX XXXX, I attempted to deposit a check ( for {$500.00} ) at my bank 's ATM. The ATM would not allow me to deposit it so I left without completing a transaction. A few minutes later I received a text saying that {$100.00} had been withdrawn from my checking account. I called the bank within 2 hours of receiving the text to let them know that I did not make that withdrawal. The bank employee assured me that they would review the video of the ATM and as long as I was n't the person who took out the money, they would refund the money to me. On XXXX XXXX, they sent me a letter saying that no dispensing error occurred and they were discontinuing the investigation ( without refunding my money ). They also sent me the ATM audit, which shows that the money was withdrawn at XXXX, and someone immediately after me used a different bank card at the same time ( XXXX ) without completing a transaction. Based on this information, to me it looks like it is possible that someone ( either accidentally or on purpose ) took the money out of my account instead of their own account. I called the bank on XX/XX/XXXX to see if they were going to review the video of the ATM. They indicated that they would not review the ATM video and refused to give me a reason as to why they would n't investigate this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.

BK OF AMER XXXX  Date Opened : XX/XX/2015 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I reached out to XXXX XXXX with a written sworn affidavit requesting for them to validate the amount owed they continue to provide outdated and erroneous documents. they are reporting to trans union a different amount and continue to report derogatory and slandering information to third parties without my consent and put my name on public list without a resolution. transition  reports {$8900.00} and total balance {$170000.00}. This company has breached there fiduciary duty while illegally attempting to collect a invalidated debt. causing harm to me physically mentally spiritually and financially. No resolution I am ready to go to court with trial and jury.