23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was notified by my credit card that a new account has been opened. A loan was dispersed from Navient to XXXX XXXX XXXX College, 2 separate loans adding up to about {$6000.00}. I had contacted Navient around XX/XX/2017 and talked to the fraud department to let them know that I was did not agree to those student loans and thought they would not let anymore loans be disbursed until we had figured out who was responsible for the loans. Navient let another loan be dispesed after I had talked to them and I took actions into my own hands and called the credit bureau to to a stop to any type of loan trying to be taking out. I need you help to get who ever is responsible for taking the loans out to be accountable to pay for them.
Product: Consumer Loan

I recently obtained a new lease loan with US Bank. They do not report to consumers what the payment amount is, when it is due or the loan balance. They said they will only report the payment amount and due date ON the date its due. So I will never know what balance is due to be paid until XX/XX/XXXX when they expect payment. They also do not allow online bill pay unless you bank with them. They refuse to accept repeat payments unless you bank with them. They do not enable customers to make ongoing payments, they force you to manually enter your routing and account number every time you want to remit a payment. They only allow customers to make a payment to be drafted the same day, they refuse future/ongoing payment ( s ). Finally, when a payment does not process correctly, they do not maintain the account information entered. Therefore, they can not determine where the error took place, their banking institution or the consumers. This seems to be very shady practices not allowing me to access payment amounts until the very day it is due.
Product: Credit card

A fraudulent purchase was made through XXXX on and around XX/XX/XXXX  for XXXX on our Wells Fargo credit card. We were alerted by Wells Fargo of the fraudulent charge and immediately discontinued card. Wells Fargo removed the charge. One month later the charge was put back on our card because Wells Fargo stated that XXXX stated that we made the purchase using a valid email address - the one that Wells Fargo had on file for us. We did not make the purchase, authorize the purchase or receive the purchase. We were told the purchase was for XXXX XXXX. We have disputed the charge through the bank now 3 times. We have disputed the charge through XXXX via email and letter. We are seeking a resolution for this fraudulent charge using our credit card and private information. We do not have or have ever used XXXX nor do we have a XXXX account. We also had fraudulent activity on the card at the same time for XXXX which was removed by Wells Fargo We have requested the investigation report multiple times but did not receive it.
Product: Vehicle loan or lease

The company reposessed my vehicle, XXXX XXXX XXXX XXXX, the day I joined the XXXX XXXX, XX/XX/XXXX. I was unable to respond to the repo. I now have a charge off on my credit report and a balance of $ XXXX. I fall under SCRA laws and entitlements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts DEPT OF ED / XXXX ( Account number XXXX, Opened XXXX XXXX, XXXX, Balance {$2500.00} ), DEPT OF ED / XXXX ( Account number XXXX, Opened XXXX XXXX, XXXX, Balance {$5100.00} ), XXXX XXXX  ( Account number XXXX, Opened XXXX. XXXX, XXXX, Balance {$1900.00}, Original Creditor Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Account number XXXX, Opened XXXX. XXXX, XXXX, Balance {$1100.00}, Original Creditor Name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Account Number : XXXX, Opened XX/XX/XXXX, XXXX XXXX  {$500.00} ), XXXX  ( Account Number : XXXX, Opened XXXX. XXXX, XXXX, Balance {$0.00} ), XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$390.00} ), XXXX XXXX XXXX  Account number XXXX, Date opened XX/XX/XXXX, Balance {$390.00} ), XXXX XXXX  ( Account number XXXX, Date opened XX/XX/XXXX, Original balance {$1900.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the 15-day grace period : The reported late payment is incorrect because my payments were made on time, which falls within XXXXXXXX XXXX XXXX XXXXXXXX grace period. Thus, the account should not have been marked as 30 days late. 
Clerical error by XXXX XXXX : It appears that XXXX XXXX incorrectly processed my timely payment. Bank records and payment confirmations show that my payments were complete, well before the 30-day late threshold. The late payment status was applied due to an error on the creditors part.

Evidence Provided : I have attached bank statements, payment confirmation emails, and account records from XXXX XXXX showing that the payment was received and processed on time. These documents confirm that no delinquency occurred, and the account should have remained in good standing. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

With " Accordance to the Fair Credit Reporting Act 15 USC 1681 section XXXX states " There is a duty to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, Experian 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 15 USC 6801 which states " It is the policy of the XXXX 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. 15 USC 1681 section XXXX a section XXXX that states " In general subject 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 XXXX XXXX and the consumer reporting agencies XXXX, Experian 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, Experian, XXXX ( furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( 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 was i informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law, 15 US Code 1681s-2 ( A ) ( XXXX ) which 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. 15 US Code 1681 ( XXXX ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX ( b ) of this title. '' XXXX, Experian and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states " That a consumer may exercise the right to opt out at any time. " I am opting out of your reporting services ''
Product: Debt collection

XX/XX/2018 a purchase was made at XXXX XXXX in XXXX Louisiana in the amount of $XXXX The account used was my daughter's checking account number, but my name was listed as if it was my account. The bank, XXXX of MS, detected fraudulent activity on the account and contacted my daughter and stopped payment and closed the account. I received notification from collection agency and went to my local bank and the officer at the bank called the company and explained to them that I was not on the account that was used. I am continuously getting phone calls and currently unable to write a check anywhere that Telecheck is used. I have submitted all documentation that they have asked for. A police report was filed by my daughter. This was never my account. I have never been to XXXX LA or purchased anything from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your office is in violation of my consumer report given to me by congress as s federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.After reviewing my consumerit has come to my attention that your office ( Transunion, XXXX and XXXX ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove the XXXX State of california XXXX XXXX XXXX XXXX, TAX LIEN Amount : {$3600.00} Filing Number : XXXX and Amount : {$3600.00} Filing Number : XXXX In addition, your office is in violations of the following violations : 15 u.s code 1692g ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

15 u.s code 1681s-2 ( A ) ( B ) ( i ) ( ii ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors
Product: Credit reporting or other personal consumer reports

Account number XXXX from American Express appears as a charge-off on my credit report. According to the IRS, an unpaid charge-off is income, and according to the FCRA, XXXX can not be reported on a credit report. Im requesting a XXXX ( Cancellation of Debt ) from the above account and be removed from credit report. This account can not be reported as a charge-off on my credit report. If the account was sold to another lender. Please send the XXXX form.
Product: Checking or savings account

On Thursday XX/XX/XXXX I was supposed to receive my direct deposit in my Capital One Checking Account. It did not post. Capital One advertised early direct deposit and thats one of the reasons I bank with them. Even though I typically get paid every other Thursday between XXXX I waited till XXXX  XX/XX/XXXX because I saw online that they were experiencing issues and they said to us customers that we would get our paychecks on the normal day, not early. Friday came and I still did not receive my paycheck that my job released to them. Now it is a 3 day weekend with XXXX  XX/XX/XXXX being a holiday so they will be closed for another 3 days and I still have not received my direct deposit. My car was due to be serviced this weekend because my brakes are about to go out but I am not able to do that because I wasnt paid. I was supposed to buy groceries and toiletries and I am going hungry this weekend and without basic hygiene needs because of this. I have a couple credit card payments due that I am not able to pay and it will affect my credit score. I have a loan payment due that I am not able to pay and will affect my credit score. I have a loan agreement with XXXX that was due that wasnt able to process this will also affect my ability to continue to borrow from them and my credit.
Product: Debt collection

About XX/XX/2023 I recieved a letter from XXXX XXXX XXXX who does not own the debt and they treaten to sue me if I dont pay off the debt owed from the bank. I responded asking them to send me proof that I owe the debt from them and gave them the proper 60 buisness days to send it. I never recieved proof and instead ( around early XX/XX/2023 ) I was issued serving papers. Well my lawyers did not inform me my representative left me and so when they rendered a default judgement on XX/XX/2023 the one representing my case bungled it and then XXXX refused to take our calls. Finally they did on XX/XX/2023 and said the interest was growing and they were not interested in a deal.
Product: Credit card or prepaid card

On XX/XX/2018 I was at a Chase Branch in XXXX XXXX, Oklahoma. I had explained to the Branch Manager that I was having difficulty paying all my bills in a month. She worked with me and said Chase has a Hardship Program. She called into it and gave her ID number and was transferred several times. When the gentleman answered in the department that could help with finical difficulties he talked to myself and asked me several questions about my hardship. He then stated that the settlement would be {$1500.00}, for both accounts. I didnt have the money to pay then. Since that time I have received a tax refund and set aside {$1500.00} and called Chase today. Today all they could offer is 90 % of the settlement instead of the 65 % that was offere 2 weeks ago. I asked for the recording, the name and ID and a supervisor at Chase would not disclose the information to me. I dont understand why I cant have that information or the same amount they were going to settle with me 2 weeks ago. When I called Chase today they acted like they had no record of anything but magically an application appeared with no information and just a employee ID number but saw no notes on the disclosed amount they offered 2 weeks ago. Spoke to a XXXX at Chase his ID NUMBER is XXXX. This supervisor was absolutely no help and would not and could not tell me any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft. Theres an account from XXXX XXXX  that was open on XX/XX/2017 with a amount of {$780.00} dollars on my report. Ive have try to get them to remove it due to fraud. The account number is XXXX
Product: Credit reporting or other personal consumer reports

I put a dispute in with Experian XXXX, XXXX about the XXXX accounts that Ive been complaining about XXXX is for Credit collection XXXX XXXX  is for credit acceptance. Ive been disputing the second account for the past XXXX years experience have refused to remove that account off my credit report which I asked him XXXX times to remove it, and I sent documentation to them that it needs to be removed. Also, I also sent them documentation about them to remove the credit collection service which they did their investigation and I was not pleased with the investigation that they have done under the law XXXX XXXXXXXX XXXX XXXX XXXX XXXX  experience still refuse to move these XXXX accounts off my credit report I feel as though they are not properly investigating to delete these XXXX items, credit acceptance, and also credit collection service.
Product: Mortgage

The complaint XXXX raised against XXXX was closed because XXXX  pointed the issue towards origination and that is Ensure homes.So raising this complaint. 

We went through 2 weeks of severe mental stress and loss of health because of negligence by Ensure home loans. We also ended up paying higher interest rate of 3.75 % versus 3.25 % which was originally promised to us, Ensure did not close the house on the scheduled date nor communicated to me in advance that we will not meet the closing date. Me and my family was in panic mode and was in stress to loose {$25000.00} earnest money. We were are sellers mercy. 

Below are the details of the problem : We were referred to the XXXX XXXX organization -Ensure Home Loans LLC by our realtor and we started working with them from XX/XX/XXXX. This company with our permission, locked the Interest Rate for the home purchase with XXXX XXXX at 3.25 % for 30 year loan -7 1/2 ARM with 20 % down payment. We got the appraisal report from XXXX XXXX  on XX/XX/XXXX for home ( XXXX XXXX XXXX XXXX XXXX  XXXX ) appraised for {$960000.00} with sale price being {$910000.00}. We also got the closing disclosure issued to us by XXXXEnsure Loans on XX/XX/XXXX on-track for scheduled closing date XX/XX/XXXX. XXXX/Ensure did not provide final CTC ( Clear to Close ) and we could not close the home as scheduled on XX/XX/XXXX. We did not get any information from them on the problem or the ETA to fix the problem. Finally on XX/XX/XXXX ( after 2 days of passing closing date ) we were told that the XXXX team got the appraisal report changed by same appraiser to {$800000.00} from previous {$960000.00}. Our family went through severe stress for 2 weeks as we were told to lose the XXXX XXXX earnest money, not knowing if we will be buying this house. Finally I had to take the problem on my shoulders to escalate the bank via emails via XXXX to XXXX XXXX XXXX presidents of XXXX to get some attention from XXXX. They apologized for the service breakdown and revised the product and finally I ended up paying higher interest rate and additional PMI every month. 

Questions : 1. Why no one from Ensure Home Loans or XXXX were worried about NOT meeting the closing and why are they so careless that the customer might loose {$25000.00}? 
2. Why was I not informed in advance that we will miss the closing date? 
3. Why was I not communicated on problems in appraisal report in advance? 
4. Why was the appraiser asked to change the home value by {$160000.00}? That too the same appraiser within the span of 10 days? 
5. How are we going to compensate the severe mental stress I went through for 2 weeks and financial loss due to institution 's negligence?
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the late payments from this account or delete this account as the information is incorrect. I've included the credit report from both Equifax and XXXX and both are reporting different incorrect information. You have incorrect account numbers and also incorrect payment history. Equifax shows 23 months of good payment history and XXXX shows XXXX. Please delete or removed all late payments. 

Account name : XXXXXXXX XXXX SERVICES Account number : XXXX Date opened XX/XX/2013
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to let you know that your company is reporting inaccurate credit information on my credit report. Accordingly, I request that the following information be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened : XX/XX/2018 ) ending in account # XXXX, is being reported incorrectly. I have never had account with XXXX for solar panels. This was my fathers account that he opened in XXXX of XXXX. I have and always had nothing to do with this debt/ account. I was only XXXX XXXX XXXX when my father opened this account and had no job or ability to co-sign on this loan ( or need to sign on this loan ). The sales rep for solar panels took the unauthorized, unilateral, fraudulent and ( horrid ) liberty to add me as a co-signer to the account, even though I never provided my consent to sign this. Never has any paper work been explained to me. Since this happened, I have explained the situation to the solar panel company, and it subsequently fired the sales representative for fraudulently signing the document on my behalf. This was solely my fathers account, which has been personally discharged through XXXX  XXXX bankruptcy. The company told me that the inaccurate inclusion of this account on my credit reports would be fixed, however, and disappointingly, this account has remained on my credit report and is causing my credit score to suffer. Please delete this entire account as it is not mine, and also delete any inaccurate late notations, from my credit report. 
As I am sure you are aware, and as demonstrated above, furnishers are not a reliable source for information, therefore, please conduct your own investigation into my dispute. I thank you for your understanding this matter and I look forward to your favorable consideration.
Product: Debt collection

credence resource management have my identity without my permission. I have not ever had an account with this company i disputed this debt with the credit bureau and they reported this debt as accurate ( letter posted ) which is fraud because I never gave them my name. address. phone number. social security number.date of birth or any of my personal information.under the FDCPA I have a right to request validation for the debt that say I owe them which will be a contract I signed with their company. this is a violation of the fcra because this is inaccurate information on my credit report.