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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute an inaccurate delinquency report on my credit file by Destiny Card ( issued by XXXX XXXX XXXX  ). This reporting violates the Fair Credit Reporting Act ( FCRA ), and I request an immediate investigation and correction of the inaccurate information. 

Account Details : Credit Card Issuer : Destiny Card Issuer Website : www.destinycard.com Issuer Phone : ( XXXX ) XXXX Account Number : [ XXXX XXXX XXXX XXXX XXXX XXXX ] Due Date : XX/XX/year> Payment Date : XX/XX/year> Reported Delinquent Date : XX/XX/year> Nature of Dispute : Destiny Card reported my account as delinquent on XX/XX/year>, despite the fact that : 1. My payment was only 4 days late ( paid on XX/XX/year> ). 


2. The FCRA states that a late payment can not be reported as delinquent until it is at least 30 days past due. 


3. This inaccurate report has negatively impacted my credit score and financial standing. 

If the error is not resolved promptly, I will consider escalating this matter further, including legal action for FCRA violations. 

Please confirm receipt of this dispute and provide updates on the status of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX
Product: Checking or savings account

I used my Chase Debit card as a form of payment for a trip to XXXX through XXXX. On XX/XX/XXXX, I was informed the company went out of business and they are canceling all trips. XXXX will not be issuing refunds and to contact your bank. In my case my bank is Chase. I submitted my dispute with Chase with the reasoning being services not rendered. My first transaction on XX/XX/XXXX in the amount of {$60.00} was refunded. However I had two transactions one on XX/XX/XXXX in the amount of {$230.00} and a second transaction on XX/XX/XXXX for {$230.00} that Chase stated didnt qualify as disputable. I dont understand how I didnt receive the credit for these transactions when the merchant failed to provide a service and are not issuing credits and have since gone out of business
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I contacted Bank of America regarding a late payment on my account. I spoke to a representative/ supervisor. I advised that I had made my payment on time and Bank of America was not able to process my payment and a late payment was reported to the credit bureaus. The supervisor at Bank of America advised me that the late was going to be removed because the bank made an error and was unable to process my payment and contact the credit bureau to make the corrections. Ive checked and the late payment is still showing on my credit report. I filed a dispute with XXXX and Ive gotten negative results. Please help me. Thank you
Product: Debt collection

I received a letter from a company called ATG Credit , LLC stating I owed money to XXXX in XXXX 2016. I called ATG on XXXX XXXX, 2016 and told them I know nothing about this charge and wanted to dispute it. The person said OK they would put a dispute request in and send me documentation from XXXX. In XXXX of 2016 my credit report was now being reported as a collection agency for something that I still had no idea what it was for and had nothing from ATG showing what is was for. On XXXX XXXX, 2016 I was sent a ledger as proof from AGT which was now over 60 days later of me entering a dispute. What ATG sent me still shows nothing of how this debt is mine. I called them back and told them this and they said they will reach out to XXXX for more info. This should not be reported to my credit if they ca n't supply proof within 30 days or send proof of how it belongs to me. 

The issue at hand is that it took 60 days for the debt collection to respond to my dispute which is longer then the 30 days per The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which states if the creditor does not verify the listing within that 30 day time frame, then it is automatically deleted as mandated by the FCRA. As requested in my complaint I demand this collection be removed from my credit report since it is being reported incorrectly and the debt collector has failed to follow the rules of the FCRA.
Product: Mortgage

The Contractor, XXXX XXXX + XXXX XXXX, XXXX. XXXX did not complete the solar installation as agreed per the 'Installation Agreement ' attached. Financing was arranged and obtained by XXXX, XXXX XXXX, through " XXXX XXXX '', copies of XXXX XXXX ; however, the documents were removed from XXXX and we have no paperwork from XXXX XXXX, we could not discover XXXX XXXX  in the NMLS. We were delivered a Pronmissary Mortgage Note from " ENERBANK '', again not discoverable in NMLS. In a text conversation with XXXX XXXX SMS with the bank, we stated " DO NOT PAY '' ( XXXX ), since the work is substandard and rejected for the XXXX XXXX XXXX XXXX XXXX contractor 's final permit, herein attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I issued a certified letter to Experian on XX/XX/2018 disputing a bankruptcy that is incorrect on my credit report. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. I have received no response in regards to this dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRIES THAT I DO NOT RECOGNIZE XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX, I Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX In Inquiry from XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I received a credit alert from Experian informing a New Credit Card had been added by XXXX XXXX XXXX of which I did not open. So I contacted the number from my credit report and got a recording to leave a message, so I did. On XX/XX/22 I still had not heard back from them so I called and left another message, not trusting I would hear back I went to their website and opened an inquiry ticket # XXXX. I also submitted a dispute case with Experian and they also suggested I open this fraud case I am submitting now. I heard back from XXXX via email on XX/XX/22 about my ticket requesting my name, email, DOB and last 4 of my SS for verification of who I was, so I responded. Then on XX/XX/22 I get an email back stating " In order to provide you with more details about this fraudulent account opening, please submit a subpoena or search warrant to XXXX ''. This company is a scam and no one should have any account dealings with them!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the proof I provided, causing on going harm to my credit standing
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reporting Bureau I am in disagreement with the items listed below which still appear on my credit report, even after notification. I would like these inquiries reinvestigated. The inaccuracies are highly injurious to my credit rating. Furthermore, in accordance with the Fair credit reporting act, Public law 91-506, Title VI, Section 611, Subsequent A-D, please provide the names and business addresses of each individual with whom you verified the inquiries below, so that I may follow up. 

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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  Please forward an updated credit report after you have completed your investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated. 

Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted in multiple with occasions XXXX, Transunion, and XXXX to dispute inaccurate personal information on XX/XX/23 and to get that information removed and they refused to remove it. 

According to 15 U.S. Code 1681, I did not give written permission furnish anything on my credit report.
Product: Payday loan, title loan, or personal loan

I attempted to complete my standard {$97.00} monthly payment via debit card on XX/XX/2019. The {$550.00} payoff balance populated in the payment field. I backed out to cancel. However, the site submitted the payment for authorization. The amount was not to be authorized, and I did not agree to complete the payment. A phone call to customer service followed, as I was not able to obtain a new draw. Flurish claims that the payment was completed, which I continually claim it was not, and the company refused to edit or cancel the payment, or refund the difference. My requests to escalate the report was also refused by the associates I have spoken with. This is a technical error on the company site. I am asking to reverse or refund the payment and allow the regular installments to continue.
Product: Checking or savings account

On XX/XX/2019 I opened an account with Bank of America for the purpose caring for my sister I have a Durable Power of Attorney .She was selling her home and I was going to manage her bills, food delivery and some services to keep her in her home On XX/XX/2019 her home sold and the funds from the sale were wired to Bank Of America {$130000.00} Within a day the account had a fraud alert and I was unable to use the funds After hours and numerous calls to every department the bank has, was told if I was to send the HUD and the legal transmission from the closing attorney they would lift the freeze I sent the docs and the freeze as lifted On XX/XX/XXXX my sister purchased a condo and Bank of America wired the funds to the losing attorney in the amount of {$41000.00} NO fraud that day??? 
On the XXXX of XXXX I made some purchases online with a debit card attached to this account On the XXXX this bank froze the account again I was my money released from this bank and the account closed I am responsible for my sisters life an have had nothing but grief an anxiety from this bank Please HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted two different letters to the equifax credit bureau one on XX/XX/23 & the other on XX/XX/23. Both letters specifically requested a copy of my free credit report, full validation and a copy of the original page by page contracts of XXXX student loans with my full name, social security number & signatures on them. Both letters were sent certified with tracking numbers but the first response I received was just validation and nothing else. The second letter that I sent was a request of the copy of the individual original contracts that have my full name social security number and signature. I contacted XXXX years ago for the copy of the original contract but they refused stating since I was only the co-signer I would have to contact my ex for permission to access that information. The problem with navients response is that even if I wanted to I no longer have contact with my ex because she fled from Colorado to parts unknown in Texas and changed her number after I put out when she cheated on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I filed a dispute with this bureau about the unverified account XXXX XXXX Account number XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Credit reporting or other personal consumer reports

I have unauthorised inquiries on my credit report, these companies do not have permissible purpose for these inquiries. Please remove them ( 15 U.S. Code 1681b - Permissible purposes of consumer reports ), 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

I have no recollection of this collection. Talbot, Adams & Moore / XXXX. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am in active XXXX  XXXX bk and I have provided all the information to Pen Fed including my case number. The representative advised me that they wont stop until they verify Ive told the truth because customers lie. Ive sent the information since Monday the XXXX and they were notified by my attorney since XXXX. It is causing me great distress
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX XXXX XXXX Bank PNC Account : Smart Access I have noticed that my account is constantly being overcharged. I have noticed that my account is being charged more than once. I also have been informed that they dont have an account that it is on file. This is 100 % incorrect. I do not know why they are saying this. Can you please contact me as soon as possible. I have contacted the police department about these issues. The Case number that I reported today is XXXX. I look forward to hearing back from you XXXX to resolve these banking issues.
Product: Mortgage

Ditech personnel have called multiple times requesting different amounts to catch up and pay double payments to keep from foreclosure, but when I start to agree and make payments; then another call states somebody else is over account and no notations were made about agreement to pay and again threat of foreclosure and will not email or state anything in writing. just phone calls.
Product: Credit reporting or other personal consumer reports

am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX  Account # XXXX 15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.
Product: Student loan

In my private student loan there are multiple issues. 
1 ) I have a student loan with Navient and I have reason to believe that they are doubling on my rates to keep me behind in my loan. I requested the original loan documents on XXXX of XXXX, XXXX of XXXX, XXXX XXXX and just recently XXXX XXXX XXXX. I have yet to receive any documents for the specific account I am talking about. 

2 ) I believe they have changed the initial interest rate and are charging an excessive amount of late fees while approving a forbearance and allowing me to not pay down on my loan while it accrues interest. 

3 ) How can I have different " loan accounts '' for the same school achieving the same degree? Shouldnt this allowed to be consolidated into one loan that I can pay for instead of several different loans with a minimum payment of XXXX dollars. There is no way to get out of that type of financial debt unless I was making hundreds of thousands of dollars per year. 

Lastly, a cosigner, XXXX XXXX was never a cosigner. Trying to obtain the original loan documents was the reason to prove she was not a cosigner and I have been unsuccessful in doing so for several months. 
I have reason to believe Navient is exercising unfair practices to get me to pay for loans that were designed to be impossible to pay off. In one of the documents they state they have " updated the terms of my loan ''. I will get this messge about every quarter, is it normal for a company to change the terms of an agreement whenever they want? It seems very suspicious.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  both accounts above are not mine!! 
and my name is : XXXX XXXX XXXX my birth year is : XXXX, NOT : XXXX
Product: Mortgage

Good morning, We're filing this complaint to bring to your attention the extremely nefarious manner in which Selene Finance is handling our request for a loan modification - There is a sale date on our home, scheduled for XX/XX/XXXX and we were certain to make sure that we submitted all documentation before the 35 day cut off requirement, to be reviewed for modification. 

- We originally submitted ( emailed ) 57 pages of documentation on XX/XX/XXXX ( 38 days PRIOR to sale ) - Receipt of those documents was CONFIRMED on XX/XX/XXXX, by XXXX, at Selene Finance. She claimed that the email was received, however, the documents could not be uploaded and recommended that we follow up the next day - We followed up on XX/XX/XXXX and spoke with XXXX, who confirmed once again, that the email was received, but the documents still could not be uploaded and recommended that we attach the documents individually to a new email - We sent an email on XX/XX/XXXX ( 37 days PRIOR to sale ) and on XX/XX/XXXX, we confirmed with XXXX that all documents were, in fact, RECEIVED ON THE XXXX and that our file was being set up for review - I've just hung up the phone with XXXX and she informed me that a letter was mailed out yesterday, denying our request for modification - claiming that documentation was not received within the 35 days prior to sale time frame. 

This is absolutely FALSE and in violation of XXXX XXXX XXXX guidelines! 

Kindly assist us with this, before we're forced to approach the Wisconsin Attorney General 's office and file legal action against saline. This current action is just an ongoing series of deceptive business practices and Federal fraud on their part I've attached screencaps of ALL emails ( with dates of transmission ) and notes from every conversation regarding this matter I can be reached at any time at XXXX Thank you for your help with this, XXXX XXXX
Product: Mortgage

This is a follow up to CFPB Case Number XXXX. Dovenmuehle 's response does not answer the complaint. There response is the {$150.00} fee is non-refundable setup and maintenance fee per the Budget Drafting Agreement. However, multiple phone reps. gave incorrect information to the consumer. How is this in the best interest of the consumer and protecting the consumer? Zero accountability on Dovenmuehle 's side on their error. I will be taking legal action if the {$150.00} set up fee and interest of {$150.00} is not reimbursed to me via check. It is about principle of what is right and making it right for the consumer!