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

Experian has failed yet again to remove another inaccurate account from my credit report. I want an explanation explaining the steps they used to verify this accounts accuracy, because I believe they are doing incomplete, inaccurate, and even some would say " fake '' investigations. I sent in all proof of the inaccuracies to Experian and the CFPB and would need this account removed immediately. This account is also now being put under litigation because Experian is not showing any fairness to its consumers. I would also like a reinvestigation explaining why this account remains accurate. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

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

On XX/XX/XXXX, I was enrolled in Comenity Bank 's hardship program due to my financial situation. The enrollment took place over a phone call, during which the agent assured me that my interest rate would be reduced and any late payment charges would be waived. To set up automatic payments, I provided my bank account number and went through multiple verification steps. The call was recorded for customer service purposes, and before ending the call, the agent confirmed that everything was set up correctly. 

However, on XX/XX/XXXX, I received a letter stating that I had not met the payment requirements. Troubled by this, I promptly contacted the bank and was informed that they would investigate the matter and get back to me. Unfortunately, I haven't received any communication from Comenity Bank since then. In the meantime, they reported the late payment to the credit bureau, causing significant damage to my credit score. Despite making multiple calls since XXXX, both Comenity Bank and the credit bureau have failed to assist me, exacerbating the negative impact on my credit. 

I respectfully request that Comenity Bank provide me with a copy of the recorded phone call as evidence of our agreement regarding enrollment in the hardship program. Furthermore, I request that they take immediate action to remove the late payment from my account, as it was a direct result of their failure to fulfill their promises. I also urge the bank to discharge any accrued interest rate charges and late payment fees, considering this situation as a failure of their service. It is my sincere hope that Comenity Bank will rectify this matter promptly and restore my credit to its rightful state. 

Furthermore, I would like to emphasize that the bank 's actions have caused significant stress and hardship in my life. By reporting the late payment to the credit bureau, my credit has been severely damaged, resulting in the inability to obtain loans or credit when needed. It is crucial for Comenity Bank to acknowledge the negative consequences their actions have had on my financial well-being and take appropriate measures to rectify the situation promptly. 

Thank you for your understanding and assistance in conveying this message to the relevant parties. If there is any further information I can provide, please let me know.
Product: Vehicle loan or lease

I had an auto loan with XXXX XXXX XXXX. The vehicle ( XXXX XXXX  / XXXX / XXXX-4 CYL ) needed repairs in which I took it to a repair shop. The owner XXXX ( ( XXXX ) XXXX ) gave the cost of repairs. I then decided to a voluntary repo in which the vehicle was supposed to be picked up. I should only be being billed for the difference of what it was sold for. I should not be being billed for the full amount of the vehicle. I've tried numerous times to negotiate this cost with them to no avail.
Product: Credit reporting or other personal consumer reports

According to IRS Publication 4681, canceled debt is considered a certificate of indebtedness and is also considered income. Income does not report on consumer reports. BMG Money is in violation of 15 USC 1681a ( 2 ) ( a ) ( i ) : report containing information solely as to transactions or experiences between the consumer and the person making the report. BMG Money is reporting a charged off account that has been sold off. BMG Money is also in violation of the Privacy Act of 1974 and I revoke all authorization given verbal, nonverbal, written, or unwritten per 15USC 6802 and am now opting out. BMG Money canceled the debt and did not send a 1099c and is still reporting the debt that was sold. Because of this violation, the accounts are to be remove from my consumer report immediately due to reporting of inaccuracy. This is a last attempt to resolve the this issue as notices have been sent out on XX/XX/XXXX and have been unanswered.
Product: Debt collection

SEND VALIDATION AND CEASE COLLECTIONS ANS CEASE CALLING OUR CELL 31 TIMES FROM XXXX.
Product: Mortgage

I visited the XXXX XXXX branch of Bank of America in XXXX XXXX Ca on XX/XX/2019 to replace a lost bank card. The personal banker assisted me with the replacement then asked if I like to speak to the relationship manager on current refinance promotions. I agreed to speak to the person. I initially waited and after 20 minutes decided to leave since I had an appointment to make without ever speaking to XXXX XXXX about refinance promotions. On my way out he asked for my contact information and stated he would call me later that day. I did not receive a call. I received an alert from credit monitoring that a mortgage hard credit inquiry from Bank of America had been made that same day. I did not authorize or consent to this inquiry. I have requested that the bank remove the inquiry from all the reporting agencys. Based on the violation of the Fair Credit Reporting Act I am reporting this to consumer finance for further investigation into the practices of Bank of America.
Product: Debt collection

I am writing to dispute an inaccurate charge-off listing on my credit report. The information below identifies the incorrect charge-off : Account Name : Capital One Account Number : XXXX Original Date of XXXX This charge-off has been removed from my XXXX credit report, indicating it is no XXXX considered a valid debt. I have attached a copy of my XXXX report for your reference, where the charge-off is no longer present. 

I respectfully request that you : Investigate the continued presence of this charge-off on my credit report. 
Remove the inaccurate charge-off listing as soon as possible. 
I understand that accurate credit reporting is essential. Please promptly update my credit report to ensure it reflects my current financial standing. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that my personal information was compromised as a result of multiple data breaches, including those involving a medical provider and a credit bureau. Due to these breaches, I have reason to believe my personal information may have been used fraudulently.

As a precautionary measure, I am filing an identity theft report to document this situation and protect myself from any further unauthorized activity. 

Please let me know if additional information or documentation is required to complete this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA has violated my rights in credit reporting. There is an old account from XXXX on my credit report that has inaccurate missed payment dates, inaccurate and missing ( many years ) of on time payments, inaccurate closed dates with each bureau. I have just found out that they are picking and choosing what to report to each bureau and leaving out many years of on time payments. This is a gross legal violation in credit reporting. This is grounds for removal. 
They also violated my rightS under 15 usc 1681s-2 / 15 usc 1681 section 602 A.
Product: Debt collection

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. Company also has no permission to report anything using my info pursuant to 15 USC 1681 4
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 was authorized, I was charged fees due to the lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Payday loan, title loan, or personal loan

My payment was due on   XXXX   XXXX   XXXX    . On   XXXX   XXXX  , I made my payment. After making my payment, they tried to withdraw the payment from my checking account which caused a {$35.00} overdraft fee. The lady I spoke with admitted she made a mistake.  Again o n   XXXX   XXXX   XXXX    , they attempted to withdraw the payment again causing another overdraft fee. I called the store who referred me to the district   manager. I have tried several times to reach the district manager with no success. I notified the store of this to which they gave me the number of the regional manager. The regional manager does not answer her phone either.
Also when you apply for the loan, they tell you your payment is monthly only l  ater to be billed bi-weekly.
Product: Mortgage

I am writing you in order requesting assistance with my Golden One Mortgage. 
On XX/XX/XXXX, I filed a complaint # XXXX. Golden One responded with a resolution that I did not agree with due to the fact they insisted that I signed a trial modification agreement that will extend my mortgage term to 40 years! The amount due each month was only a savings of {$100.00} less than what i pay as we speak. 
When I spoke directly to Supervisor XXXX ( XXXX loss mitigation dept ) he promised that if I send the modification documentation back to him and cross a line across agreement and write " DECLINE '', he will accept it and the missed payments that was honored and approved through the COVID 19 Relief Program in XX/XX/XXXX will be applied behind the total loan amount. 

In XXXX, XXXX ( Supervisor # XXXX ext. XXXX ) promised I will not have nothing to worry about. He told me to continue making my monthly mortgage payments and everything will be fine. I trusted in him since he was the only representative to return my calls and he was the supervisor over XXXX XXXX XXXX XXXX XXXX, the original loss mitg. rep. that continue to speak to me in a very disrespectful and racially motivated manner. 

As of today, this mortgage issue is not resolve. XXXX XXXX ( XXXX ext. XXXX ) has been sending threating letters and trying to force me into signing a modification I was told to decline months ago by his supervisor. He is claiming I am in breach of contract with my lender when I have continue to make timely mortgage payments for over 18 months after my COVID 19 deferment was approved. 

I need assistance with my mortgage that is not being handled appropriately by Golden OneXXXX.
Product: Credit reporting or other personal consumer reports

I have asked for the late payment to be removed. I was told it could not be remove because it is correct. 

In accordance with the Fair Crediting Report Act this creditor has violated my rights under 15USC 1681sec602 states I have the right to privacy 15USC 1681 sec 604A sec 2 also states a consumer reporting agency can not not furnish an account without my written instructions under 15USC 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plant as late for any purpose.
Product: Credit reporting or other personal consumer reports

I've reached out to XXXX several times about the information they are reporting to the credit reporting agencies after I've disputed the accuracy of the information that the agencies are showing on my credit reports. Because every time, Equifax, XXXX, and XXXX are stating that they have verified the information with XXXX, however, XXXX is stating otherwise. So if I do not owe XXXX and they are not attempting to collect anything from me, why are the Credit Reporting Agencies are reporting such inaccurate information.
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S Code 1681b - Permissible purposes of consumer ( a ) IN GENERAL, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency my WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

RE : DISPUTE OF INACCURATE INFORMATION CHARGE-OFF ACCOUNT To Whom It May Concern, I am writing to formally dispute the accuracy of information listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing a charge-off account listed with the following details : - 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  This account is inaccurately reported, and I believe it should be removed for the following reasons : 1. Lack of Proper Verification ( 15 U.S.C. 1681e ( b ) ) : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure maximum possible accuracy of the information contained in credit reports. This account has not been properly verified as accurate or complete.

2. Reinvestigation Requirement ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), the reporting agency must reinvestigate any disputed item and promptly delete or modify the information if it can not be verified as accurate. I am requesting a reinvestigation of this account, and if it can not be verified, it must be removed from my credit report.

I request that you : Investigate this matter in compliance with the FCRA.

Provide documentation verifying the accuracy of this account or delete it from my credit report.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you, but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 


Sincerely, XXXX XXXX XXXX
Product: Credit card

As of XXXX XXXX, 2024 I have not received any documentary evidence that XXXX XXXX followed the truth in lending Act and informed me of my right to opt out of reporting my information to XX/XX/XXXXparty credit reporting agencies as a customer of the financial institution. I have never received any documentation before they committed multiple violations under The Gramm-Leach-Bliley Act by furnishing my private financial information. 
XXXX XXXX received a notice from me informing them that per the Gramm- Leach Bliley Act, I am opting out of sharing my financial information and that I am exercising my right to privacyXX/XX/XXXXXXXX. This notice was sent by way of registered mail with tracking number XXXX and was received by XXXX XXXX XX/XX/year>. I have received, through the mail, a response from XXXX XXXX dated XXXX XX/XX/year> but was received XXXX XX/XX/year> with no tracking, stating that they will continue to furnish my NPI ( Nonpublic information ) information to a non-affiliated XX/XX/XXXXparty. This is in direct violation of the FCRA. 
I am demanding a cease and desist of all sharing of my NPI. If XXXX XXXX continues its sharing of my NPI to non-affiliated XX/XX/XXXXparties, I will file for litigation for actual damages caused through deception and unfairness as well as injunctive and equitable relief. 
I am in no debt to XXXX XXXX. I see no facts nor evidence. I have not received a loan. XXXX XXXX has not provided me with the account ledger nor treasury transcripts for the account.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute letter dated XX/XX/XXXXXXXX XXXX Please be advised, this is the second written request you have received. Under Section 609 of the Fair Credit Report Act ( FCRA ), I requested that you provide physical verification of the originally signed consumer contracts for any and all accounts that are currently being reported on my credit file.

Specifically, I requested the following : 1. A copy of the original contract bearing my " wet ink '' signature for each account that is currently being reported on my credit report. 
2. Physical verification that any and all accounts in my name were initiated by me with my full consent, and that you have the necessary documentation on file to support this.

Under FCRA Section 611, if proper verification can not be confirmed, inaccurate information must be removed. To date, I have not received sufficient evidence that the disputed accounts have been properly verified or that the credit bureau conducted a thorough investigation.

Additionally, under the FCRA Section 617, reporting inaccurate or incomplete information is a violation of federal law. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer. I am a litigious consumer that fully intends on pursuing litigation if this matter is not resolved promptly.

To reiterate, the disputed items are : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX sent me to collections for a debt I do know owe nor have knowledge of. I 've asked for info from the collection agency and they refuse to tell me anything saying privacy reasons. I can not dispute it without proper information.
Product: Student loan

On XX/XX/2018, I received an email that the IDR repayment plan would end on XX/XX/2018 if I did not reapply by XX/XX/18. 

I reapplied that same day and received notice on XX/XX/XXXX that the application was received. On XX/XX/2018, I received an email that the payment next payment due on XX/XX/2018 will be {$2400.00}, which is much higher than the current income driven play payment of {$420.00} and several months ahead of the scheduled end date of XX/XX/2018. 

Next, I received an email on XX/XX/2018 stating that the renewal IDR application was approved and the new payment would start after your current plan expires on XX/XX/18. Notice that the end date for the current IDR plan changed by 30 days! The notice I received also did not include the new payment amount, but said the new payment amount would start after my current plans expires on XX/XX/18. However, the initial end date was XX/XX/2018. 

Despite all of this, the current status on my account states that the next payment is due on XX/XX/2018 for {$2400.00}. I have contacted them to resolve this issue and have not received a resolution. 

By inaccurately reporting the payment amount, erroneously scheduling IDR expirations dates, and sending notices with little information, Navient is forcing borrowers away from affordable payment options and imposing unnecessary reliance on forbearance, deferment ( if available ), and delinquency -- all of which are unacceptable and illegal due to the tyrannical nature of Navient 's actions. Please take action against Navient to hold them accountable and promote fairness in the student loan repayment process.
Product: Credit reporting or other personal consumer reports

Subject : Request for Written Instruction Pursuant to 15 USC 1681b ( 2 ) Dear TransUnion Consumer Assistance, I hope this letter finds you well. I am writing to address a matter concerning the furnishing of a consumer report without my explicit permission. Pursuant to the provisions outlined in 15 USC 1681b ( 2 ), I hereby request that you provide me with a written instruction, if any, that I have on file granting you consent to furnish a consumer report on my behalf. This request is made in accordance with my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

To my knowledge, I have never given TransUnion consent to furnish a consumer report about me in the first place. As such, I believe that your actions may be in violation of federal law. I kindly request that you promptly provide me with the aforementioned written instruction, if it exists, to substantiate your right to furnish a report on my behalf. 

Failure to provide the requested documentation will leave me no choice but to pursue legal action against TransUnion for noncompliance with federal law. I will not hesitate to file a complaint in federal court and seek appropriate remedies. Additionally, I will consult with legal counsel immediately to ensure that my rights are protected throughout this process. 

Furthermore, I demand that the entire consumer report pertaining to my personal information be expunged from your database if my consent can not be substantiated by a valid written instruction. This includes any and all associated data, as well as any information derived from the consumer report. I expect full compliance with this request within the timeframe specified by applicable laws and regulations. 

Should this matter remain unresolved, I will provide you with an affidavit of truth and an invoice for the inconveniences caused by your noncompliance with federal law. I trust that it will not come to this, as I believe TransUnion values its reputation as a responsible and law-abiding credit reporting agency. 

I appreciate your attention to this matter and expect a timely response within [ number of days, normally 30 days ] from the receipt of this letter. Please address all correspondences related to this matter to the address provided above or via email at XXXX. 

Thank you for your prompt assistance in rectifying this situation. I hope we can resolve this matter amicably. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Opened account around XX/XX/2019 Funded acoount via ACH in the amount of XXXX around XX/XX/2019 account was closed and online access restricted. 

bank call center indicating my account has no balance and no record of opening deposit. 

the canceled debit card number as i do not know the account number is XXXX