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

I am filing a complaint about the reporting of late fees on my credit report by Navy Federal Credit Union. I have reviewed my account and records and have identified that there has been a breach of my consumer rights under federal law, specifically concerning the sharing and reporting of my financial information without my explicit consent. Upon investigation, the following issues was noticed, 1. Unauthorized Reporting of Late Fees : Late fees were reported to the credit bureaus without my consent, violating my rights under the Fair Credit Reporting Act ( FCRA ).

2. Violation of Permissible Purpose : Under the FCRA ( 15 U.S.C. 1681b ), there must be a permissible purpose to report any consumer information to credit reporting agencies. I never provided express consent or authorization for such actions in this context.

3. Negligence in Proper Communication : Under 15 U.S.C. 1681s-2 ( a ), creditors, including Navy Federal , are required to ensure the accuracy and integrity of information they provide to credit reporting agencies. The late fees reported were inaccurate and unfairly damaging to my credit standing.

4. Failure to Notify and Obtain Consent : According to the Consumer Financial Protection Bureau ( CFPB ), credit institutions must notify consumers if there are any adverse actions regarding their credit. I was never notified, nor did I sign a consent form to allow this reporting of late fees.

This unauthorized reporting has caused significant damage to my credit score and financial well-being. I am requesting immediate action to remove the reported late fees from my credit report, cease any future reporting of late fees or any other financial information unless proper consent is obtained, and provide written confirmation that this issue has been resolved within 30 days of receipt of this letter, or I will escalate the matter by filing a complaint with the Federal Trade Commission, and considering legal action under the FCRA.
Product: Debt collection

Formal dispute of inaccurate credit reporting under FCRA and consumer law i am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the fair credit reporting act ( FCRA ), 15 U.S.C. XXXXi, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the cosumer financial protection bureau have brought to light significant concenrs regarding experian and XXXXXXXX XXXX failure to conduct proper investigations. Specifically, in a lawsuit filed, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under FCRA. 

As per 15 U.S.C XXXXi ( a ) ( XXXX ) XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within XXXX days. Furthermore, under XXXX XXXX XXXXi ( a ) ( XXXX ) any information found inaccurate, incomplete, or unverifiable must be promplty deleted or corrected. Failure to adhere to these requirements constitutes a violations of federal law.
Product: Debt collection

Just recently, upon checking my credit reports, I found thatXX/XX/XXXXhas yet again placed a fraudulent collections account on my record under both names XX/XX/XXXXand Collection Bureau of the Hudson Valley. ( same account XXXX Original complaint number XXXX. - Submitted to the CFPB on XX/XX/XXXX I originally submitted a complaint on XX/XX/XXXX regarding this same exact account, ( complaint number above ) at that time XXXX had a company called XXXX XXXX XXXX reach out to me regarding this collections. At that time, I was told by XXXX XXXX XXXX that I would need to reach out to XXXX directly to try and solve this issue. 

As stated in my previous complaint regarding this company ( complaint # XXXX XXXX " I called and spoke with customer service on XX/XX/XXXX and was told in order to prove my identity and have the collections removed, i would need to submit proof of my address during the month of XX/XX/XXXX. The same day I spoke with the representative in the collections department at XX/XX/XXXX I submitted the proof via the email I was given, i submitted my ID, along with my bank statement and my auto loan statements, although that was not required. " I called the morning of XX/XX/XXXX and spoke with a customer service rep in the same collections department who confirmed that the information had been received. 

THIS NEEDS TO BE REMOVED NOW! THE DEBT DOES NOT BELONG TO ME AND THAT HAS BEEN PROVEN After submitting my initial complaint on XX/XX/XXXX, I got a response from XXXX XXXX XXXX stating that had reached out to optimum and were unsuccessful at getting any Information regarding the account therefore they were ceasing all collection activity and the account was removed, as it should've. 

This account has reappeared on my credit reports. Ive already sent in the information requested to optimum in order to verify my address as requested so I will not be providing any more Information to this company. 

Please remove this now! Its bad enough we are in the middle of one of the worst pandemics in American history, but to try and take advantage of people during this time is seriously sickening.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communication regarding the late opening of my account. Despite my initial attempts to rectify this issue, I am disappointed to find that the problem persists. 

I appreciate the efforts made thus far to address this issue, but it is essential that the matter be resolved promptly and definitively. I kindly request that you expedite the process of opening my account and provide me with a timeline for when I can expect this matter to be resolved. 

Furthermore, I would appreciate any measures taken to prevent similar incidents from occurring in the future, as repeated delays could adversely affect my confidence in your company 's services. 

Please acknowledge receipt of this letter and provide me with an update on the progress of resolving the late opening of my account. With this, I am asking for your assisstance to correct this late open accout in my credit file : XXXX XXXX  XXXX Balance : {$390000.00}.
Product: Payday loan, title loan, or personal loan

I have had a loan with this companies for over a year. I had a death in the family and I ran into some hard times. This company has been harassing me by coming to my home to leave a note, reaching out to family members who in turn contact me out of concern. I am scared to go home after work each day for fear someone is out there waiting for me. The company has been emailing me at work as well harassing me which I had to turn the block messages sign off so I won't get upset at work. It has been very stressful. They call at all hours.
Product: Credit card or prepaid card

On XX/XX/XXXX I called the Amazon prime store card and regards to my returns. My returns are supposed to go back to my Amazon store card but instead they put it into a gift card balance I've called them several times in the past in XXXX and XXXX in regards to them putting my return payment into a gift card instead of deducting it from my bill. I've been trying this time since XX/XX/XXXX to get them to apply that money to my account and I've been calling several times and they just keep hanging up on me now I closed out my account and want to pay the balance off but they want me to pay on items I've already returned and they have the items and I can't get them to cooperate with me all I want to do is pay the card off and cancel it and have the money that's in that gift card apply to where it belongs my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is account has been paid off for years. I have information that proof these facts. I need this information updated paid in full.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the incorrect reporting of a collection account on my credit report related to the XXXX XXXXXXXX XXXX XXXXXXXX XXXX which begins with XXXX. Despite my recent dispute with Experian, I received an email from them within two hours stating that the account will remain on my credit report, indicating that no changes will be made. I believe this action violates both the Fair Credit Reporting Act ( FCRA ) and other applicable regulations under U.S. law, and I am seeking your assistance in rectifying this issue. 

Key Issues : XXXX XXXX : The account was charged off as of XX/XX/year>. However, I was not provided with a Form 1099-C or any other official documentation confirming this charge-off. As per 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ), I believe I am entitled to receive proper notification of the charge-off, and failure to do so constitutes a violation of my rights. Inaccurate Reporting : Under 15 U.S.C. 1681g of the Fair Credit Reporting Act ( FCRA ), I am entitled to a complete and accurate report of all information maintained by the credit reporting agencies. The fact that Experian has refused to correct the error, despite my request, suggests that they are not fulfilling their obligations to report accurate information. 

Request for CFPB Action : I respectfully request that the CFPB investigate this matter and require the reporting agencies ( Experian, XXXX, and XXXX ) to rectify this issue by removing or updating the inaccurate collection from my credit report. The failure of these agencies to provide accurate information, and their refusal to correct the error after my dispute, is in direct violation of the law. 
Furthermore, I ask that you investigate whether I have been denied my legal right to receive a Form 1099-C as required under applicable tax laws for the charge-off of this debt.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2022, while I was washing some video on XXXX. I receive a popup to sigh in to a free mentoring service on how to make thousand of dollars weekly through a XXXX and XXXX XXXX XXXX opportunity. After clicking to view the presentation the requested to give my personal information to see if I qualify. I did provided my information and the following day I receive numerous call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. His address XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX. He was trying vary hard to get me to invest {$30000.00} but I told him that I want to begin with the {$10000.00} program. on XX/XX/2022 he insisted to go to the bank and send the money via wire transfer. On XX/XX/2022 I did wire the amount of {$7000.00}. But he was not happy because he need the rest of the money to complete my application. Therefore, on XX/XX/2022 i send to XXXX XXXX  XXXX XXXX the amount of {$3500.00}. Via ACH. Once they received the money they keep sending me email requesting more money XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX ; made millions of dollars in commissions by enticing thousands of people to pay as much as {$30000.00} for mentoring services, using false claims and misleading testimonials about how much money they could make. They advertised on social media, XXXX, online news sites, and at live events, specifically targeting older consumers. These so-called affiliates helped XXXX  XXXX XXXX XXXX. swindle consumers out of millions of dollars by making outlandish and false earnings claims. 
I asked Bank of America for help and I was told that they can't help me. That I should be more careful who I send money to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Capital One Bank XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am filing this complaint to bring to your attention certain inaccuracies that I have identified in my personal credit report. These inaccuracies could have a significant impact on my ability to purchase a home. While I understand that errors can occur, these particular mistakes could have detrimental implications. I am well aware of the dispute process and the time constraints that come with an investigation. I have identified the following errors in my credit report : XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the XXXX XXXX XXXX XXXX ( XXXX ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting or other personal consumer reports

Hard Inquires not authorized XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXXXX/XX/year> Experian
Product: Checking or savings account

Chase Bank is now forcing consumers to agree to online/mobile banking. when you attempt to access your account info, you get the following response. 

Accept Disclosures and Agreements Please choose " XXXX '' after you accept the terms for the agreements. If you don't accept them, you won't be able to see or manage your accounts online. 

Online Electronic Disclosure and Consent XXXX pages XXXX XXXX XXXX XXXX Here is just one questionable excerpt : You agree that for all Communications for all Accounts and Services we may ( i ) use Electronic Delivery and, at our discretion, terminate paper delivery In order to access, view, print and retain electronic Communications, you must have : Access to a device ( e.g., computer, smartphone, mobile device, tablet, etc. ) suitable for connecting to the Internet, or downloading our mobile apps with the Current Version ( as defined below ) of ( i ) an operating system, such as Windows, XXXX XXXX, XXXX or XXXX, and ( ii ) a web browser, such as Chrome, XXXX or XXXX, that we support. 

A connection to the Internet ; Local electronic storage capacity to retain Communications and/or a printer to print them ; A valid e-mail account and software to access it ; Here is another : You agree that we may send you information related to the Mobile Services ... ... .You understand and agree the Mobile Services may not be encrypted and may include personal or confidential information about you*, such as your account activity or status Since this program was instituted, I don't receive my paper bills. I call and they ask if it only Chase that i am not getting mail from. Next the XXXX XXXX must be the culprit. 

I don't think Chase should be able to force or punish consumers who do not comply with their wishes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do to the fact that on going complaint and in unauthorized inquirys 2 of them from Capital One dropping my XXXX over a 100 points disqualifying me for a mortgage/ I have retained a attorney with the facts ongoing CFPB has been dragging there feet and feel now in my best interest to come after both with law suit
Product: Mortgage

ROCKET MORTGAGE LLC, in writing, promised that three ( 3 ) forbearances of fifteen ( 15 ) monthly mortgage payments of {$620.00} would be deferred at XXXX interest and not payable until the end of the loan account XXXX. 

Instead, ROCKET only deferred the principal portion of said fifteen ( 15 ) payments as follows : On XX/XX/XXXX, {$550.00} for four ( 4 ) deferred payments for XXXX, XXXX, XXXX, XX/XX/XXXX ; and on XX/XX/XXXX, {$1000.00} for XXXX ( XXXX ) deferred payments for XXXX, XX/XX/XXXX and XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ; and XX/XX/XXXX, {$800.00} for XXXX ( XXXX ) payments for XXXX, XXXX, XXXX, XX/XX/XXXX for a total of {$2300.00} ( see XXXX XXXX XXXX FROM ROCKET MORTGAGE LLC with annotations ). The remaining {$7.00}, XXXX has been accruing interest on the alleged 1st principal balance. Additionally, ROCKET alleges a 2nd principal balance for the entire fifteen ( 15 ) payments that total {$9.00}, XXXX, when it only reduced the alleged 1st principal balance by {$2300.00}. Lastly, ROCKET mortgage failed to credit two timely homeowner payments from XXXX XXXX, XXXX, and XX/XX/XXXX, for a total of 156 days. ROCKET has illegally charged interest on {$7.00}, XXXX, which it denies needs to be reduced from the alleged 1st principal balance, for ( XXXX  YRS and XXXX MOS or XXXX days ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list if accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) Section 5 states : No consumer reporting agency may make any consumer report containing any of the following items of information or 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 ) Section 1 states : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I have completed a five year chapterXXXX bankruptcy plan all payments on time all payments on plan have been paid no missed payments some creditors are on my credit report showing missed an delinqet payments my credit report shows poor credit with derogirtory remarks NEED HELP to resolve this stressful situation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried 4 times to request the information be removed from the 3 major bureau 's about accounts that are being reported by the agencies and they keep telling me that the information i being reported correctly on my reports. I have submitted the Fair Credit Report Act about how they must remove the information because they do n't have the required information to place it on my credit file. Each bureau XXXX, Transunion, XXXX all have said that they are verifying this information electronically. Section 609 of the FCRA none of these results meet the requirements of this information to remain on my credit file.The dates below are the four times that I have requested the removal of this information. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

This number called me 7 times in the span of 1 minute this evening at XXXXXXXX XXXX, as they did this morning at XXXX XXXX They did not identify themselves or leave a message. I had to look up their number to see that theyre associated with Comenity Bank XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Tennessee XXXX XXXX Experian Dispute Department po box XXXX XXXX, TX XXXX Re : Incorrect Address and Bankruptcy Reporting Final Notice Before Legal Action** To Whom It May Concern, I am writing to formally dispute the inaccurate information that remains on my credit report despite multiple previous disputes. This letter serves as a final notice before I pursue legal action against Experian for damages related to these inaccuracies. 

Address Discrepancy Despite providing multiple forms of proof, including my driver 's license and a bill showing my correct address as XXXX XXXX XXXX, XXXX XXXX, XXXX, Tennessee XXXX, Experian continues to report an incorrect address ( XXXXXXXX XXXX XXXX XXXXXXXX, Tennessee XXXX ) on my credit report. This erroneous address has been attributed to a mental health facility, which is both false and damaging to my reputation. 

XXXX and XXXX have both corrected my address over a year ago upon receiving the same documentation. I demand that Experian immediately rectify this error. The continued incorrect reporting is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), which mandates that credit reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. 

Bankruptcy Reporting Furthermore, I have previously disputed the bankruptcy information on my credit report. I requested details on how this information was verified, as the bankruptcy court does not provide such information to third parties. Experian has failed to provide the method of verification as required under the FCRA, specifically Section 609 ( 15 U.S.C. 1681g ). Without this verification, the reported bankruptcy should be removed from my credit report. 

Legal Consequences This letter serves as a formal notice that if Experian does not correct these inaccuracies within 15 days, I will have no choice but to file a lawsuit against Experian for damages resulting from your noncompliance with the FCRA. This includes, but is not limited to, defamation, financial losses, and emotional distress caused by your continued negligence. 

Report Numbers for Reference : - Report Number XXXX, Date Generated : XX/XX/year> - Report Number XXXX, Date Generated : XX/XX/year> -Report Number XXXX, Date Generated : XX/XX/year> - Report Number XXXX, Date Generated : XX/XX/year> I am also sending copies of this letter, along with all the disputed reports where you falsely claimed verification, to the Consumer Financial Protection Bureau ( CFPB ) , the Federal Trade Commission ( FTC ) , and the Attorney General 's office. 

Please confirm in writing that these corrections have been made. I expect this matter to be resolved promptly to avoid legal action. 

Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Attorney General 's Office
Product: Credit reporting

About two years ago, i reported information about an account that had been paid in full. I submitted my check showing the amount was paid. The CRA were reporting it in XXXX places. Once as XXXX XXXX and then as XXXX. The payoff was made to XXXX which brought out XXXX XXXX. This negative information was taken off. I applied for a car loan and rec 'd approval for 12 %. knowing that can not be right, I checked my credit report only to find that XXXX XXXX and XXXX had reinserted the information again for the same XXXX debt with a deletion date of XXXX but a recent reporting date of XX/XX/2013. In order to be clever to say they complied with FRCA, they put down that it was disputed. Since the debt appears twice, which one is disputed and since I proved that is not owed, why did they put it in my report again? CRA says I can not sipute agin becuase it has been investigated once before. Holy cow-are they just that stupid or just corrupt. This is a nightmare phantom bill that will not go away unless I decide to sue which is becoming more likely. can you get an answer for these people on why they put that information BACK on my credit report with an obvioulsy false reporting date to make it look recent