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

Experian XXXX XXXX XXXX XXXX XXXX XXXX Dear sir, I would like to clarify my question and concern due to happening by the cultural difference. I have received a credit report ( # XXXX ) dating XX/XX/XXXX of XXXX  from your company, Experian after the notification of FTC Identity Theft report ( # XXXX ). Besides it, I have received a credit report by email on XX/XX/XXXX of XXXX  ( report # XXXX ), which I made the disputes regarding my name, address, spouse name, and statement. After then, I have received the emails twice. The first one was on XX/XX/XXXX, on this dispute ID 2, the spouses name XXXX was deleted. The second one, which date was unsure unfortunately, the dispute ID 3 showed the deletion of telephone number. On XX/XX/XXXX, when I received the hard copy of report ( # XXXX ), I received another report ( # XXXX ), which indicated the deletion of my name and residence with dispute ID 1. Both reports XXXX XXXX had the section Personal Statement. However, the hard copy ( # XXXX ) did not have this Personal Statement, which states : ID security alert/active duty alert : fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. I am currently on active military duty, do not extend credit without first verifying the identity of the applicant. I can be reached at. This alert will be maintained on file for 1 year beginning XXXX. 

Since I am not on duty of the American Military, I never request your company the alert in this format. Anyway, I am a XXXX XXXX  ; therefore, I do not think I am qualifying for the American military. I just want to know why this statement is in the reports XXXX and XXXX. And I just want to know why there are so many report numbers to my credit report, which I try to understand the cultural difference. Most likely, in XXXX, we prefer to organize in one report number. 

Sincerely,
Product: Mortgage

I applied in XXXX 2015 for a home loan modification with Nationstar Mortgage. After submitting approximately XXXX applications that were all denied, Nationstar foreclosed on my property on XXXX XXXX, 2015. Each time I applied, Nationstar claimed that I did not meet the debt to income ratio requirement. Throughout the process, I never spoke with a representative that understood the underwriting process nor did I have an opportunity to speak with the person assigned to my case. My case manager changed several times throughout the process. There was no continuity in the process. The calls I placed to Nationstar were repeatedly answered by a different mortgage processor. Therefore, the process kept repeating itself as each processor who reviewed my case reached a different a conclusion about the documents required. There were also instances where processors were unable to locate documents I faxed or scanned to Nationstar. The process was horrific. Having endured a heart wrenching, lengthy process and submitting volumes of documents, in the end Nationstar foreclosed on my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter on XX/XX/2023. I told the credit bureaus to " investigate all information '' on the accounts listed. Also attached is the letter I sent to all 3 credit bureaus.

According to the FCRA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or a mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also some of the accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts XXXX  : XXXX XXXX
Product: Debt collection

I am not aware of this debt and do not know how it originated. I have always been in great standing with my cell phone provider. I was a victim of identity theft several years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed numerous items on my credit report as multiple times and nothing is being addressed. All they do is do an investigation and carry over the results of the previous investigation ( which are wrong ) and therefore that then makes any further investigation incorrect. Nothing has been actioned on the 3 certified mail letters that I have sent them, no evidence of the accounts in dispute has been sent to me despite requesting this numerous times. I have sent evidence of accounts that have been paid and should not be on my report XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX but every single thing gets ignored. I have 14-18 credit inquiries that I do not recognize but these are still on my report. Why is nothing being done? Why am I being ignored? Why are you not investigating the facts and actioning the hard copies of the information that you signed for via certified mail? Remove the items from my report as requested months and months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of trying to buy a home and everything was going great until my credit dropped almost 40 points because of a said " late payment ''. I was in contact with the company trying to dispute this and they still came back and said it was late. I have the account statement showing that my payments were made. And even if they claim i was late my account as of today stands as current. why can't they just remove the late?
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against the three bureaus regarding to the incorrect information on my credit report. These wrong information on my credit report are severely affecting me. I would like to request that these wrong information be removed from my credit report. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them
Product: Debt collection

Hello my name is XXXX XXXX. Account with American first Finance # XXXX. Two weeks ago I called XXXX XXXX XXXX to tell them I would not be able to do my payment of XXXX on the XX/XX/XXXX, so I moved my payment for XX/XX/XXXX. I told the agent I spoke to that I would do my payment by myself and told her I would be able to MAYBE do a double payment I was not sure. She asked me If I wanted this payment to be automatically drawn from my account I said NO specifically, that I would do it myself and I made that very clear to her. When I was going to make my payment of XXXX on XX/XX/XXXX, because I could not do the double payment. I saw that my account said that there had been a payment of XXXX paid that day. Was very confused. So I did not do my payment. Monday morning XX/XX/XXXX I wake up to my bank account being on negative and saw that they had taken out the XXXX automatically out of my account without consent considering I had made it very clear that I did not want this withdrawn from my account and wanted to do it myself. So I did not authorize this transaction which is my biggest problem. A transaction has to be authorized before any money is touched again I said NO to this. I called and spoke to an agent first, she told me that on the notes it said that I had given consent to the last agent to take my money out of my account, I told her this was incorrect and that I wanted to speak to a supervisor and have her listen to this call. Did not get supervisors name but I spoke to her on XX/XX/XXXX to the phone number of XXXX at around XXXX. She was very short and rude and not helpful at all. All she said to me was that I was late on my payment and that on the contract it said they could take money out of my account if I was a day late. Which I do n't believe to be true as I been a day late before and this had never happened to me before. I explained the situation to her. Told her I needed a refund and she was just rude and told me she could not do that and said false information. That she would send me a copy of the contract to my email and highlight the part where it says they could take money out of your account without a consent. It is now XXXX on XX/XX/XXXX and still have not received anything form them. My biggest issue here is that you can not just take money out of peoples account without their consent. Big violation. & then when you speak to a " supervisor '' they tell you false information. I would like this call to get listened to by a real supervisor or CEO. & get my money back. Also I need that copy of that contract highlighted with the information this girl told me thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Dispute two collections from the company medical financials on my equifax credit report. I dont owe these amounts. I mailed supporting documentation that proves that information is inaccurate on my credit report. Equifax sent me a letter stating that collections would not be removed. My rights are being violated, I would like these collections removed from my credit report.
Product: Credit card or prepaid card

Hello, I tried to use a Chase credit card Ink Business unlimited that i carry around in my XXXX because at the time ( earlier this spring ) it showed a valid expiration date of XX/XX/23, but was informed that the account was closed by chase. They never told me this, but my complaint is that they did this closing without telling me so that they could take my rewards points. I signed up for this card to get the rewards points and as the paper work said- they are mine to redeem at any time. So i called them and received no help other than claims that the records are purged. There is probably a government mandate that those records are saved for a certain period of time, and I think they just routinely steal from their customers by engaging in this criminal activity because they can.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXXXXXX Balance : XXXX XXXX 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax un-froze my Equifax credit file in 2018 without my consent and for the last six months has been either unable or unwilling to re-freeze it. In fact, when I complained to CFPB about this incompetence at Equifax, the response from Equifax was to state that the complaint was resolved and my Equifax credit file is NOT frozen.
Product: Credit reporting or other personal consumer reports

The following accounts are in violation of the FCRA. The following accounts are reporting as late, I have NEVER been late on these accounts. 

-- -Toyota MTR acct # XXXX, opened XXXX -- XXXX XXXX XXXX acct XXXX XXXX, opened XXXX -- -XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX -- XXXXXXXX XXXX  acct # XXXX, opened XXXX
Product: Debt collection

On XX/XX/18 at XXXX XXXX received a call from XXXX - XXXX XXXX XXXX on my cell number XXXX asking for my ex-husband ( I've been divorced 7 years. ) I mistakenly said that's my ex-husband and I have not talked to him in years ... I do not have a number or way to get in touch with him. They then said ... you are on this credit card. I knew that was a lie as I had never signed anything joint with him at all .... They said it was around {$15000.00} and they'd settle my portion for {$2300.00} if I would settle that day. I refused. I said I wasn't responsible for that. They threatened to freeze my bank account and garnish wages. I said " before you can do anything ... send me in writing anything that I signed or shows that I am responsible for this debt. '' They asked me to give my home address. I told them I'd give my work address as I was not giving them my personal info. He said " Oh we'll find you. '' I have not heard from them since I told them I was recording the call. ( I wasn't. )
Product: Credit reporting or other personal consumer reports

The following companies show an open balance and fraudulent phone numbers to contact on my reports from XXXX, transunion, and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH 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 my 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 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 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 card or prepaid card

There is a hard inquiry from XX/XX/2020. I have no idea where it came from and would like it removed.
Product: Debt collection

I recently attempted to XXXX for Capital One bank and I was told I was not able to open an account. I called the bank to figure out whats going on and I was notified of an unpaid credit card under my name. I NEVER had an account with Capital One, any previously opened account is fraudulent. I made that clear but Capital One insisted that the account was mine.
Product: Vehicle loan or lease

We financed a new XXXX XXXX through GM Financial, and we have not received the vehicle. They keep postponing the delivery date ( 3 months now ). It allegedly is 30 miles from our house. We have made three payments already.
Product: Credit card

I have XXXX credits with Capital One and each XXXX of them charges me {$55.00} dollars a year for use or services, I have asked Capital One almost since they were issued to me to please consolidate them to save money on these annual charges. I have had these cards nearly ten years. Capital One has always refused that request. Today it is so more important because I am unemployed and on social security and XXXX XXXX years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ACCESSED MY ACCOUNT XX/XX/2018 See attatched EQUIFAX BREACH NOTIFICATION. WEBSITE NOT ADA ACCESSIBLE TO REPORT. www.Equifaxbreachsettlement.com IS NOT WCAG 2.1 ADA COMPLIANT. 
I have XXXX XXXX XXXX. This site would not set proper dates. I was unable to attatch documents or record data. IT REQUIRED ( hand movements ) no screenreader I have on my XXXX. AM I A ROBOT could not perform MY HANDS UNABLE TO PERFORM I AM ABLE TO SEND DOCUMENTS TO CFPB WEBSITE. I LOST {$8000.00} ON TWO CARDS *XXXX XXXX NO ACCESS *XXXX NO ACCESS. See attatched FTC ID THEFT case XXXX. NO ACCESS TO RESOLVE FRAUD WITH BANKS OR EQUIFAX.CALLED ON PHONE ALSO TO NO AVAIL.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with initially available funds. O believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

XXXX  XXXX XXXX I was a victim of cyber fraud and my XXXX, checking and savings accounts were totally depleted. I have filed a fraud report with my banking institution, Bank of America, my local police and the Federal Trade Commission. I had approximately {$1600.00} in my checking account and approximately {$1000.00} in my XXXX and XXXX accounts and around {$300.00} in savings
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to get a creditor to update payment history. Which they did and all credit bureaus showed status update All 100 % on time and Ballance decrease. All but one credit bureaus showed a point increase. Equifax dropped my score XXXX point for no reason instead of increase
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my TransUnion consumer report and discovered XXXX XXXX has opened up an account in my name fraudulently without my authorization violating my rights under the FCRA 15 usc 1681, a federal statute that governs the accuracy, fairness and privacy of consumer credit information and outlines the requirements of consumer reporting agencies and the procedures for investigating and correcting inaccurate information in which have been violated per 15 usc 1681b ( a ) 2, 15 usc 1681 s-2. I have not initiated any transaction with XXXX XXXX XXXX This account on my consumer file is damaging my reputation and character and causing harm to my financial standing. Unless they can provide proof of a signed contract between me and XXXX, XXXX I demand deletion of this account immediately. XXXX, XXXX has knowingly transferred, possessed, or used, without lawful authority, a means of identification of me which is against the law. As a federally protected consumer I have a right to privacy and my consumer rights have been violated.
Product: Checking or savings account

i am trying to pay JP Morgan Chase back the money they are owed due to overdraft fees. My account was purged from the system so i have no clear cut about paying off this debt.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of an XXXX XXXX with Regional Acceptance opened on XX/XX/XXXX, a XXXX XXXX with XXXX XXXX XXXX opened on XX/XX/XXXX, a XXXX XXXX with XXXX XXXX XXXX opened on XX/XX/XXXX, a XXXX phone account with XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, and a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Checking or savings account

Hi Discover, I am a new to bank customer and proud to be! However, I have come to a road block and I need help. I was advised by your customer service reps ( please review the calls made on XX/XX/19, apologies for the raising of my voice ) that Discover Bank does NOT send alerts for suspicious activities or alert the customer for holds on purchases. I was baffled by this and could not believe what I was hearing! 

Your reps advised Discover will NOT alert the customer in any fashion of a hold or suspicious alert on the account, rather the customer ( me ) will find out in the middle of a transaction say purchasing groceries. I did research on Discovers website and found this : Dedicated Fraud Specialists -Our Fraud Unit proactively monitors your account for any unusual activity. If we see anything unusual we'll place a hold on those transactions and alert you right away ; Proactive Fraud Monitoring-Your account is monitored for potential fraud and we will alert you if we see anything unusual. If you do have fraud on your account, a fraud specialist will work with you until your issue is resolved. https : //www.discover.comXXXX XXXX : I purchased a gift card from an online retailer XXXX, which provides gift cards from various business at a discounted price ( XXXX XXXX XXXX ). I purchased 2 gift  cards for {$16.00} each, I found out the purchase did not go through from the merchant right before I left work, I submitted another purchase and called Discover and spoke with a woman and advised me of discover not notifying its customer of this. Please see attached screen shots