23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for the XXXX Repayment Plan on XX/XX/23 via XXXX. Nelnet has failed to process my application. They claim my application is in their queue, but they haven't given me an accurate timeline for when it will be complete. They only send me emails every XXXX days saying they are still processing my application. My account is accruing interest and their delays are causing me financial hardship.
Product: Mortgage

Complete nightmare with PNC HELOC since I took it out. All I simply want to do is my my HELOC on autopay but they cant get it correct after multiple attempts. Even the executive escalation team ( XXXXXXXX ) is worthless n useless and gave up n passed the buck. Once again, ALL I want to do is pay my HELOC on autopay, I have given up. Every time I speak with rep I get different story on how to resolve this. I am NOT in the mortgage business, they are the professionals, what a complete joke. Now I receive emails stating my balance n checking is deficient. Im beyond fed up
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and XX/XX/2020, Zions First National Bank executed hard inquiries on my credit report without my consent. I have no dealings with Zions First National Bank, nor did I authorize them to place these hard inquiries on my credit file. I sent a letter via First Class Mail on XX/XX/2020 asking to cease inquiries. I called them on XX/XX/2020 to ask and was not provided a clear explanation of why or how these inquires are repeatedly being executed on my credit report.
Product: Mortgage

Lender failed to give an accurate closing disclosure statement for purchase money mortgage transaction. Lender failed to deliver closing documents to settlement agent on day of closing. Sent to wrong location. Lender failed to deliver mortgage funds to closing on the date of settlement. Sent to wrong location.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute that the account did not belong to me about a account that was closed and charge off and they reopened the account instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.
Product: Student loan

Since before XXXX of 2019, there has been a company called " Pioneer '' that has been harassing myself XXXX, and my son XXXX. They claim to have a partial loan of {$24000.00} in their ownership, and keep harassing me to apply for a payment plan. I'm already paying this same exact loan through the U.S. Department of education. Through the U.SXXXX Department of Education, I've already paid over {$10000.00} through garnished wages and garnished income tax refunds taken from my son and myself. My son went to XXXX XXXX XXXX from XXXX XXXX for 9 months, after that he joined the XXXX XXXX XXXX ... Where the military paid for his studies from that time and on. My son is a XXXX XXXX XXXX veteran, why on earth am I being charged over $ XXXX for 9 months of schooling by two separate companies? I've pleaded with Pioneer, asking them to send me a promisary note stating the agreement " I signed '', through mail as evidence ... But they refuse to send it to me, because clearly it's a fraud and I never signed an agreement to make payments through this company.
Product: Debt collection

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. 

XXXX  : # XXXX, has violated my rights. 

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: Checking or savings account

On XX/XX/year> my checking and savings accounts with Upgrade, INC were suspended pending " investigation of unusual activity. '' Upgrade could not provide further information, and could only tell me that Upgrade would reach out to me via email eventually. 

On XX/XX/year> I received an email advising me that my account with Upgrade would be terminated and to fill out a form to have my positive balance with Upgrade disbursed to another account. I submitted it, and promptly received a disbursal of {$7.00}. 

However, Upgrade has failed to credit {$200.00} in Cash Back earned by using their debit card for the period of XX/XX/XXXX through XX/XX/XXXX, prior to the suspension. Upgrade has also failed to provide any reasoning at all for the suspension and eventual closure of the account, beyond " Unusual activity. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not reporting my mortgage to the credit reporting companies. XXXX XXXX now states because I filed bankruptcy back in XXXX  and did not claim my mortgage to not be a part of the bankruptcy, is why they do not report my mortgage. however, i am attached proof of my property being exempt from the bankruptcy. in addition to the proof from being exempt, I also have a letter from XXXX stating this was their mistake and they are correcting it and going to start reporting it to the credit bureaus
Product: Credit reporting or other personal consumer reports

I HAVE SUBMITTED PREVIOUS DOCUMENTS TO XXXX AND THERE IS SOME INFORMATION THAT IS NOT RELATED TO ME. AS I HAVE NEVER AUTHORIZED IT TO BE ON MY CREDIT REPORT. I HAVE SUBMITTED POLICE COMPLAINTS AND REPORTS OF IDENTITY THEFT. AS I WAS THE VICTIM OF IDENTITY THEFT AND THERE WAS INFORMATION THAT WAS USED TO MISUSE MY CREDIT. I HAVE REQUESTED PREVIOUSLY THAT THERE BE SOME INQUIRIES THAT WERE NOT AUTHORIZED BY ME AND A XXXX  ACCOUNT THAT REPORTING ON MY CREDIT REPORT. I HAVE REQUESTED BEFORE TO DISPUTE AND DELETE THE INFORMATION THAT YOU ARE REPORTING IS WRONG. I AM SUBMITTING MY APPLICATION AGAIN TO DELETE THE INQUIRIES AND THE CREDIT REPORT THAT YOU ARE REPORTING IS WRONG AND INACCURATE.
Product: Vehicle loan or lease

In XXXX of XXXXI entered a consumer transaction with XXXX of XXXX XXXX in XXXX. 
Exeter Finance is in violation of 15 USC 1605. The finance charge is the sum of all charges however I was charged additional fees totaling XXXX. All alleged debt is confusing, deceptive and and misleading.
Product: Checking or savings account

Attempted to open a savings account and it went to review for verification. XX/XX/23 received a call and a voicemail to verify I called back and after 2 hours on hold basically told by multiple Goldman Sachs reps they theyd dont know what the problem is and that for some reason my phone number on the app all though it is my phone number is not correct and they dont know what the resolution is to open the account or why it can not be opened
Product: Credit reporting, credit repair services, or other personal consumer reports

several accts were previously mentioned : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX loans have reported to me the accounts are no longer due. I have sent this information certified mail and am lied to my face over the phone saying they never got the letter I sent XXXX times now. all bureaus refuses to remove data and insist on reselling it. motion to sue demanded under any jurisdiction or level. refusal to comply is not an option under fcra. complaint is escalated and never resolved. complaint is not frivilous, I have letters in my hand.
Product: Mortgage

We refinanced our VA loan with Lowvarates.com The process began about XX/XX/XXXX or XX/XX/2016. Because we were a " streamline '' VA refinance, we did not have to have alot of paperwork done and were advised it would n't take long. We were " about '' to close on several occasions and finally XX/XX/XXXX we got a closing date of XXXX XXXX, 2016. We signed all of the closing papers on Friday, XXXX XXXX, 2016. We understood that our XX/XX/XXXX payment was included in the payoff and we would not have to make the XX/XX/XXXX payment. We went on about our business and on XXXX XXXX, 2016 I received an email from our broker. He sent the email after XXXX p.m. and I read it somewhere around XXXX or XXXX. He advised that there was a mistake in he paperwork and we had to resign the papers. They sent a notary to us around XXXX to sign the corrected paperwork. After the paperwork was corrected we realized that the mistake in the paperwork delayed the funding and they payoff of our old loan did not happen until XXXX XXXX, 2016. At that point, the our payment that we were told was paid in the payoff of the house was 30 days late. We had spent the month of XXXX expecting to close on more than one occasion and did not make the payment because we were supposed to close and were told it would be included. The next morning I emailed our broker and asked about if we would be considered 30 days late, his exact words were, " you should n't. With that said, if the lender does report we will provide a letter to clear it. '' So with that, we were ok UNTIL a couple of weeks later I checked my credit and saw that the payment WAS reported 30 days late and it had reduced our scores nearly XXXX points. Our broker wrote a letter to the mortgage company explaining that we were told the payment was made, but our mortgage company refused to make any change to the reporting. 
Our broker should have told us this could happen! He should have advised us to pay that payment immediately - although it was already after XXXX when he tried to contact us on the XXXX of the month and the payment was more than likely already late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This report/complaint is about the named RESPONDENT : CONSUMER FINANCIAL PROTECTION BUREAU XXXX 

Breached Fiduciary Duty to REMOVE false-fraudulent-derogatory-damaging information published in Consumers credit profile, for more than 3-years. 

Respondents ( collectively ) have a fiduciary responsibility ; to act impartially in good faith ; perform the highest duty of care and due care to XXXX, to prevent injury/damage. Respondents ; by and through its Agents BREACHED its fiduciary responsibility and are in default ; consistently engaged in breached fiduciary duty, negligence, unconstitutional conflict of interest, fraud, retaliation, and criminal conspiracy. 

See attached : FINAL NOTICE - NOTICE OF DEFAULT AND OPPORTUNITY TO CURE Service is perfected ; served via https : //portal.consumerfinance.gov/consumer/s/complaint-description? XXXX # XXXX
Product: Bank account or service

I have had a checking account with Regions for over 20 years which provided free checks if I maintained the required balance. I call Regions today on XXXX/XXXX/17 and spoke to a manger who advised me they had changed their policy and free checks were no longer available. I reminded him that when I applied for the checking account they stated free checks were part of the package.
Product: Credit reporting or other personal consumer reports

Basis for dispute : **Inaccuracy of information. The Account information reported is incorrect. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Last Activity : Different dates : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian and XXXX show XX/XX/XXXX, Closed date : Only reported for XXXX and Two-Year Payment History : Significant discrepancies in payment history. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.
Product: Credit reporting or other personal consumer reports

Name on account was wrong birthday and SSN were correct, but information was stolen and charged when I was not the one to do so. 

Company was called multiple times and sent me to collections for an amount that I did not owe, after calling and speaking to them multiple times, they told me they would close the account in XXXX of XXXX. The account went into review and they said it would be 60 days and that a letter would be mailed out stating the account on my credit report may not be mine and was under investigation so that I could get a loan I was needing. The letter has not made it here and it has now been over 20 days since I requested it. They stated they were not able to send a digital copy even though the XXXX call was the third one to the company. 

Company has still not contacted me, but has convinced the XXXX credit bureau of the accuracy of the account, even with the internal investigation of their own still pending. 

XXXX Credit bureau was able to take the charge off status off of my report, but it seems there needs to be more information sent to XXXX, although I can not provide it because the company has not sent me any information on it and the National Identity Theft Reporter is not enough for XXXX, or American Express.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

I have continuously complained and disputed various INQUIRIES on my credit report with Equifax. I have written them letters. I have formally filed disputes. All to no avail. I have vehemently denied these inquiries. XXXX has removed them from my credit file. Equifax does nothing I have worked diligently on my credit this last year, so I find it totally unfair to be penalized for negative information on my credit file that does not belong to me or was not authorized by me. The following is the list of Unauthorized Inquiries on my Equifax Report. 1 ). XXXX XXXX XX/XX/XXXX, 2 ). XXXX XXXX XX/XX/XXXX, 3 ) .XXXX XXXX XX/XX/XXXX, 4 ) .XXXX XXXX XXXX XX/XX/XXXX , 5 ). XXXX XXXX XX/XX/XXXX, 6 ) .XXXX XXXX XXXX XXXX, 7 ). XXXX XXXX XXXX. XX/XX/XXXX I state under penalty of perjury that I did not authorize or request these inquiries. I would request that Equifax do their diligence and find out who did.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. XXXX XXXX  Account # XXXX and XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX XXXX Account # XXXX and XXXX Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
DISCOVERBANK 601100****** Balance : {$0.00} XXXX  XXXX  XX/XX/2024XXXX  XXXX  XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX  XXXX XXXX XX/XX/2024 XXXX  XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX  XXXX  XX/XX/2024XX/XX/year>
Product: Credit card

Despite submitting my FTC report and sending a letter that my account was opened fraudulently through identity theft, this company has not closed my account and it has not been removed from credit reports. This is affecting my credit score negatively.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 I took out a loan for {$1300.00}. I have been paying {$100.00} since then and continued to borrow in a bad choice cycle. I have paid about XXXX since then. I am attempting to work with consumer credit counseling but they do not work with that agency and they have access to automatic withdrawals from my account. I can no longer afford {$400.00} a month to pay them and am trying to pay my bills off.
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 Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name 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  and 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: 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 the recent CFPB findings against Navy Federal for similar practices, when transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 

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 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,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against Experian for FCRA Violations and Dispute Negligence Dear CFPB Representative, Im filing this complaint because Experian has been dragging their feet, violating the Fair Credit Reporting Act ( FCRA ), and refusing to fix the inaccurate information on my credit report. Since XX/XX/XXXX, Ive been trying to get them to do their XXXX job, but they continue to play games with my disputes. 

Despite providing everything theyve asked formy ID, utility bills, and detailed explanationstheyve sent me dismissive form letters claiming my disputes arent authorized. Thats total XXXX. Im the one submitting the disputes, and they know it. 

The FCRA requires them to investigate disputes and resolve them within 30 days, but its now been over XXXX months with no resolution. This is a blatant violation of federal law and has caused me unnecessary stress and financial harm, including denied credit applications and increased costs. 

Heres the mess Experian has left me with : 1. Failure to Investigate : Experian has ignored my disputes and continues to allow inaccurate and unverifiable information to sit on my credit report.

2. Excuses and Delays : Theyve sent letters claiming my disputes werent authorized, even though Ive provided proof of my identity multiple times.

3. FCRA Violations : Theyve exceeded the 30-day timeline to resolve disputes, which is a clear violation of my rights under federal law. 

Im demanding that the CFPB take immediate action to hold Experian accountable. Specifically, Im requesting : 1. An investigation into why Experian has failed to resolve my disputes within the legally required timeline.

2. Removal of all inaccurate and unverifiable information from my credit report.

3. Assurance that Experian will comply with the FCRA in handling my future disputes.

Ive attached copies of Experians correspondence, including letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which clearly show their refusal to take my disputes seriously. 

Im tired of being ignored and mistreated by a company that is supposed to act in compliance with federal law. I trust the CFPB will take action to ensure Experian is held accountable for their negligence and outright disrespect. 

Sincerely, XXXX XXXX XXXX Attachments : Experian Correspondence ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) Supporting Documents ( ID, utility bills, etc. )