23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Debtor Collected final payment and I closed my account with Navy Federal Credit Union in XXXX XXXX with no late payments. This was on a secured Visa card with a security deposit of {$1200.00} on it. Company did not offer pre-paid debit/credit cards and advised this was best route, a secured card. Was immediately issued a card and used for a couple of months. Never paid back balance and asked them to just close my account. They said they had closed and I had stopped receiving corresponding mail from them, then I receive a checking account security lock on my account because of it and limited access services-wise, then a denial of services all together. Found out they had not closed my account and unauthorized charges were accrued on my account which then resulted in unknown prolonged delinquencies and an account balance of {$85.00}. The amount accrued for the high credit limit field in the 7 major credit bureau reporting of the file. File wasn't officially closed until XXXX XXXX. Contacted creditor and they refused to do business with me again due to this fraudulent activity in which occurred on my account ( s ). I request immediate deletion of this reporting from the 7 credit bureaus due to it's ; unfair, non-current, derogatory payment history and status on my report. Credit reporting from Navy Federal should include final payment activities and an updated statuses due to the no longer delinquent accounts, which they fail to do. Please, assistance in this matter is needed and resolution is as easy as deletion of unverifiable information that can not be verified with myself or the representatives spoken to via phone call and written correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted CMRE financial on today because there was an account placed on my credit for {$130.00} balance obliviously from when I was seen by XXXX XXXX XXXX for the XXXX bill. This was said to be paid by my insurance XXXX. The account obivously had a balance on it of the {$130.00}. When the first representative got on the phone before asking me anything immediately placed me on hold and transferred me to another very rude and unprofessional representative who spoke to me as if I was a child or had broken some type of law. She was very degrading and down talking. I tried to explain to her that I was not aware of the balance or had I received any type of communication of such. She did not give me any options to resolve this matter and stated that it would not be removed from my credit. I have worked very hard and as a XXXX XXXX to maintain and keep my credit in a very good standing. Also pursuant to Texas law medical bills should not be reported to your credit report at this time. This is a direct violation of my consumer rights. I have reordered the conversations of how I was treated and attached them below. If this is not removed as I would like to resolve it I will be forwarding to my attorneys office immediately. THE FDCPA has standards to how a consumer should be treated and I feel as if my rights pursuant to the FDCPA has been violated. I am also forwarding a copy of my complaint to the California AG 's office.
Product: Student loan

I've been consistently paying on my student loan for years but the balance continues to go up. I've started keeping detailed spreadsheets at the end of XXXX so I can understand how the balance is working. I have a lump sum auto-debited every month which has been getting applied across all the loans. In addition to the monthly payment I've been making extra payments and knocking out loans one by one lowest balance to highest. Note that I currently have 12 loans left with Nelnet each with different interest rates and payment amounts. When I checked my balance at the end of XX/XX/XXXX the overall balance was just under {$29000.00}. I really felt like I was finally making progress. I've paid off four loans in the last year. This past weekend when I checked my overall balance is {$29000.00} which has increased! I paid more than {$1000.00} over the balance due yet my balance is increasing which doesn't make sense. Upon looking into it more I see on the website that my XX/XX/XXXX payment was not applied across all 12 loans but only to 3 of the loans which caused the other 9 to increase in overall balance. I called the company tonight to find out why they are doing this. I spoke to a gentleman named XXXX who told me the Department of Education decides  which loans need to be fulfilled to make it better for the consumer. I said I understand since it applied to the 3 highest interest rate loans ( all above 6 % ) but how is it possible for the balances on the other loans to increase. None of this make sense to me and I'd like it investigated. I've been ensured that I'm in the best plan the standard repayment plan which pays it off the quickest. I was offered the option for income based and I would pay for twenty years and have the rest forgiven which I laughed at since my goal is to have all of these paid off in a year. I just feel like the company has been taking advantage of me since day one back in XX/XX/XXXX. They see that I am trying to pay these off so have started picking and choosing which loans the money is applied to. How could they go from months of consistently applying across all loans to now all of a sudden only applying to three loans!
Product: Consumer Loan

I 've recently financed a vehicle and the loan company is charging me more interest than agreed upon. The interest is more than the actual loan amount.
Product: Credit card or prepaid card

XX/XX/2023 - Payment made for American Express account for {$1800.00} but I had insufficient funds, my paycheck didnt post for another few hours. XX/XX/2023 - I receive direct deposit paycheck and my bank account has more than enough to cover funds. The {$1800.00} is returned, I call American Express and they advise me to make another payment because the {$1800.00} will not re-attempt. I have enough funds, and send a payment of {$1700.00} to American Express. XX/XX/2023 - Both payments of {$1800.00} and {$1700.00} are billed to my checking Account. I am overdrafted, and my American Express card is not working and my XXXX  XXXX XXXX debit card is not working, despite my XXXX  XXXX XXXX saying they cleared the {$1800.00}. XX/XX/2023 - I contact XXXX  XXXX XXXX and American Express to resolve. XXXX  XXXX XXXX opens a fraud investigation, and told me it will take 40 days to research. American Express told me they can not do a stop payment, and will reattempt to draw the funds 3 times. XX/XX/2023 - I am still overdrafted despite having around {$1200.00} in my bank account in reality. I contacted American Express again for a stop payment request, and they say they need an electronic letter from XXXX  XXXX XXXX. I contacted XXXX  XXXX XXXX for a an electronic letter they can send to American Express, or a way to stop the auto draft, but they will not stop the auto draft. Consumer banking, my money would have been safer underneath my mattress.
Product: Credit reporting or other personal consumer reports

I am submitting to provide an update on my recent complaint regarding fraudulent activity affecting my credit report. In accordance with FCRA Section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report with reference number XXXX. I have attached the necessary documents to support the removal of erroneous personal information and unauthorized inquiries from my report. Here is a list of items that were opened without my consent : EXPERIAN : XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to remove any items identified by the consumer as resulting from alleged fraudulent activity within XXXX business days of receipt.
Product: Credit reporting or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 
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: Credit reporting, credit repair services, or other personal consumer reports

My ex wife had a vehicle that was her responsibility during the divorce decree and she let the vehicle get repossessed and then made it part of her bankruptcy. This was never my responsibility and I'm not on the loan but it is still being reported on my credit report. i have attempted to get it removed from the credit bureaus but haven't had any success. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 
My credit report from XXXX, XXXX, and TransUnion all reported 9 delinquent charges from the same collection company : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX XXXX The flag/delinquencies are FALSE. I took care of these bills directly with the hospital XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. This was after I filed for finanical assistance and received 100 % discount from the hospital as noted in the attached letter to this file. I submitted this letter to XXXX the collection agency, who informed me the charges would be closed. Yet I come to find out today, as of XX/XX/XXXX this collection agency STILL reported 9 hits agaist my credit score for the same account, deducting my credit score by 120 points. ( Went from XXXX to XXXX credit score in less than 30 days ). 

This is DIRECTLY EFFECTING my ability to purchase a home that I am currently under contract for and my ability to get the loan my mortgage lender has submitted for me. I can not have this false reporting negatively impact my future. Please help.
Product: Credit reporting or other personal consumer reports

I have written this letter to dispute transactions that are listed on my consumer report, which you WELLS FARGO disclosed to XXXX XXXX XXXX. The amount is wrongfully listed on my consumer report because i did not give my written express consent to have these transaction disclosed to any consumer reporting agency with respect to the FCRA and US CODE ( s ). INSTITUTION NAME : WELLS FARGO TRANSACTIONS LISTED : VARIOUS TRANSACTIONS I am disputing this unlawful use of my recent transactions via
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX agreed to remove a hard pull Inquiry from XX/XX/2018. They said they would remove from my credit file as I never requested any additional cards or signed any documents asking them to pull my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Nowcom/Westlake Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding 1681bc Permission Purpose To Whom It May Concern, I am writing to formally dispute an item on my credit report associated with your company. This dispute concerns the inquiry made on XX/XX/XXXX, which is set for removal in XX/XX/XXXX. Upon review, I believe this inquiry was made without my explicit authorization or in compliance with the purpose guidelines outlined in Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, permissible purposes for obtaining consumer reports are clearly defined. To the best of my knowledge, I did not provide explicit consent for this inquiry, nor do I recall engaging in a transaction or initiating a relationship with your company that would justify such a request. As such, I kindly request the following : Proof of Authorization : Please provide documentation or evidence indicating that I authorized this inquiry. 
Permissible Purpose Explanation : Clarify how this inquiry meets the criteria under 1681b ( c ) of the FCRA. 
Removal Request : If the inquiry was conducted in error or without proper authorization, I request its immediate removal from my credit report. 
This matter is of great importance to me, and I would appreciate a prompt response. If you are unable to provide the necessary evidence, I will escalate this matter with the credit reporting agencies and, if necessary, the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your immediate attention to this issue. I look forward to resolving this matter swiftly. Please respond in writing to the address listed above or contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My information was stolen when our home was broken into back in 2010 since than I had so much fraud going on. That I have no connections with. Someone even has two evictions in the state of North Dakota. 

I have never lived there I lived in XXXX ca my entire life. 

Please help me I have no knowledge of the said accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of Inquiry : XX/XX/XXXX ; XXXX Date of Inquiry : XX/XX/XXXX ; XXXX Date of Inquiry : XX/XX/XXXX
Product: Mortgage

I had been working with XXXX on a loan modification. Somewhere around XXXX - XXXX of XXXX, the loan servicer changed to LoanCare. In XX/XX/XXXX I made the three trial mortgage payments as requested ALTHOUGH I did not agree with the monthly payment amount they came up with -- there was not even a {$100.00} difference between the amount I had been paying and the new amount. I am wondering how that is supposed to help me, but I made the payments just the same in good faith. 
I requested that LoanCare lower the mortgage payment ... I even requested a particular underwriter who would be willing to work to lower the payment by tacking on the difference via a " silent second '' mortgage payment. I did not get this as requested, instead I was told to " lower my hazard insurance, '' and that I " live in an expensive area ; that's why the mortgage is so high -- it's because of the taxes. '' As you can see by the attached letter sent under XX/XX/XXXX email, you can see that somehow LoanCare did not even apply the three months ' payment I sent them -- they were disregarded, the home was put in jeopardy. This is unacceptable. I am willing to pay the mortgage ; I am looking for a more favorable monthly payment. 
In a XX/XX/XXXX email, I was able to send the final piece of information that the company sought -- a Profit & Loss Form. At that point, I was hoping to receive a lower monthly mortgage payment. 
Following up on XX/XX/XXXX, I learned that the house is in foreclosure and the matter has been referred to attorneys!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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: Checking or savings account

i have a bank account with chase bank and ive had some ach debits on my account taken out on the wrong dates. when i bring this up to chase they open a claim and then denied it and wont reopen it even though the charges are not authorized for the dates they were taken out from. the authorization amount is clear yet they wont investigate this issue. i have an authorization agreement proving im right and this is a valid reason to dispute the charge as it fall under the return code r11 yet chase will not move forward with the dispute or give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly XXXX  and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint against Experian regarding their failure to comply with my rights under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I sent Experian a formal dispute requesting details on the verification of several accounts listed on my credit report. Despite my request, Experian has not provided the information as required by law. 

Background On XX/XX/year>, I disputed the following accounts and requested verification details : Bank 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 bankruptcy : XXXX Under Section 611 of the FCRA, I requested : 1. A detailed explanation of the verification methods used by Experian.

2. The full name and contact details of the source providing the verification. 

Issue Experian has failed to : - Provide the requested verification details. 
- Respond within the time frame required by law. 

This lack of response is a violation of my rights under the FCRA. The law mandates that credit reporting agencies must provide consumers with the procedures used to verify disputed information and the contact details of the data furnisher.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Mortgage

In response to a complaint I filed on XX/XX/2018 regarding their loan modification processes and timelines, Mr. Cooper my mortgage servicer is harassing and punishing me for filing the complaint. Mr. Cooper is citing I have legal representation and can only respond to my attorney regarding any issues with my mortgage. On XX/XX/2018, Mr. Cooper solicited me and the attorney representing me in my bankruptcy for the right to speak and negotiate with me directly and not through my attorney. This document was signed in agreement and returned back to them. They have it on file, but are choosing to ignore the document. 

By deliberately ignoring the release they requested and stating they will only respond to my bankruptcy attorney, Mr. Cooper is harassing and punishing me for filing a complaint by forcing me to incur unnecessary legal fees. My attorney will charge me to receive and review these documents. Documents covering issues that actually occurred prior to my bankruptcy. 

I view this as a deliberate act on their part to harass and punish me for complaining and questioning some of their business practices. They are legally bound through their contract with Fannie Mae to keep and maintain all records regarding my account. They have the documented release that allows them to deal with me direct and are choosing to ignore it. 

I am uploading a copy of the signed release with this complaint.
Product: Student loan

Other than having my loan forbearance, or deferment, it would pretty much impossible for me to pay them off. The payment amounts are very high for a household of XXXX.
Product: Student loan

I attended XXXX XXXX  from XXXX. I had a balance of {$9000.00}, and was unable to register for the next semester until the balance was paid in full. I had to withdraw and restart at another school because I could not afford to pay the large balance, nor I could get my transcripts. I am getting ready to XXXX  from my XXXX program in XXXX of XXXX, but will not be able to receive my degree or be able to sit for the XXXX until the XXXX XXXX XXXX XXXX XXXX receives the transcripts from XXXX. I have sent multiple transcript requests through XXXX, which have all been denied. Ive also reached out to the school to try to pay a portion of the balance or set up a payment plan to release the holds, but was told that the full balance was required.