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

Good afternoon, I am writing through the CFPB because, despite my initial letter to the three bureaus on XX/XX/XXXX, I have never received the report or outcome of the investigation. Because of this, along with the fact that I do not recognize any of the accounts in my report, I am asking for a new investigation. 
I received a copy of my consumer report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. 
In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, 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. 

As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. 
Information on the consumer report must maintain Maximum Possible Accuracy. 
Accuracy means- correct in all details ; exact 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT 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. 
The details of the accounts are inaccurate, they are not exact in details and amounts. 

( XXXX XXXX Equifax ) you shall comply with the FCRA 15 USC 1681 YOU ARE SUPPOSED NOTIFY ME AND YOU FAILED TO DO SO!!!!!!! 
( 6 ) NOTICE OF RESULTS OF REINVESTIGATION ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
DELETE THESE INACCURATE & INCOMPLETE!! ACCOUNTS FROM MY CONSUMER FILE
Product: Credit card or prepaid card

I applied for service from a property due to the fact that I just moved literally no where to go and I ended up talking to a different company about the same house. So as I'm communicating with the sales rep, I stated that I just applied and paid for a application though another company but I haven't heard back from them at all and it's was maybe a confusing moment but she was like that's not our house, which was weird because it's the same house I applied for but on a different website. I expressed my concern with my XXXX  card only saying that I paid for this service as a dispute but never received any service as I done before in the past. Instead of calling me to find out what's going on they closed my account, I have called, email and I keep getting the back and forth to call or to email. I was told by a customer service agent that the card was reported stolen and I never even did that, I had the card on my person. Now so the money I had in my account no one can give me answers about that and what makes me upset is that they couldn't give me a courtesy call so I could have gotten to the bank and grab some money, I have no money, I just moved so where the money going and no one can help me. It's not right to closed someone account for the wrong reasons.
Product: Prepaid card

American Express " Gift Cards and Business Gift Cards '', an eGift Card was provided to me by my employer. As this is an eGift Card they refuse to send me a physical card. I am unable to use this at a store because they won't use the numbers from my print-out ; they require a physical card. 

Online and through discussion with customer service " can be used at any online retailer or any store '' ; instructions for using at a store " swipe your card '' - impossible. 

I tried to use this at 4 different online retailers and it was refused. Amex customer service tells me that these retailers have been blocked due to fraud. ( XXXX, XXXX, XXXX XXXX, XXXX ). I can see the 'pending charge ' of {$0.00} from each of them trying to process my order. All of my orders have been declined. The customer service rep says " you can use it at any online retailer '', when I asked for an example they can not provide any place where I CAN use it. 

I asked for a refund, they said since it is a 'rewards ' they can not refund. They also said they can not refund to my employer.
Product: Checking or savings account

I submitted a third party check of over XXXX into my account which has been endorsed by the beneficiary and signed over to me. Shortly after depositing the check and confirming with the teller that the addresses needed to match ( which they do ), they moved forward with depositing the check into my account. 

I later recieved an Email from Chase bank explaining that my account was restricted because of the check, and they needed to verify with the beneficiary that the check can be cleared. I told them that I am not only the financial power of attorney, but the check is also endorsed, and the number we provided that is REGISTERED to the benefeciary, that was ASKED of us by the bank, is belonging to the beneficiary. 

I went on to ask if my own number showed up in their systems under my name, and it wasn't, which goes to show that Chase 's systems are completely outdated in terms of verification. The number we gave them was not enough. Now I am at risk of losing my Checking and my Savings accounts ( both of which I use for my employment ) for a check that was ADDRESSED to me, simply because Chase Bank can not properly verify it. Attached are all the documents needed as well as the Financial, NOTARIZED power of Attorney document which signs over all claim funds to me. We equally offered to have XXXX himself contact the Bank and verify since he lives with us. They still denied me. They even told me they were going to search based on the address on the check, which is MY ADDRESS LISTED ON MY ACCOUNT. Where the check was mailed to! Which is why we have it, because it has been mailed to and endorsed by the literal resident of the house. 

Also attached is a copy of my ID which lists the address that the check was written to there. As well as the original document from XXXX, and the Emails I recieved from XXXX XXXX, the claims manager, that the funds have been paid out to XXXX, and from XXXX to me. 

This was the funds of a Life Claim from my XXXX XXXX. I have all of the documentation needed. Please help me keep from losing my account, and please help me recover these funds. I Need them to survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate balance lowering my score utilization
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFFB 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: Credit reporting or other personal consumer reports

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

In XX/XX/XXXX, I applied for a refinance my Loan loan, I have been approved, I have submitted all that was asked and required on a timely fashion, I paid XXXX cash for my home in XX/XX/XXXX, borrowed against my home in XX/XX/XXXX XXXX I have paid the payments to date on time. I wanted to get a lower interest rate and pay off sooner, the XXXX XXXX offered me a loan at 3.75 % fixed rate. The Loan Depo lowered my equity to XXXX from XXXX I felt was a fair market value. Then the requested and said they would pay for the XXXX now they have had the property appraised and the XXXX value was higher at XXXX and they requested to come back and take pictures of inside my barns etc. I believe that the XXXX XXXX is wrong for questioning the integrity of the Appraisal company that they have selected to question the XXXX used some kind of bad judgement.. The documents have expired and the loan appraisal the XXXX XXXX ordered was after the expired date. Todays interests for a 20 year fixed interest rate is 3.250 % XXXX 3.45 % as od XX/XX/XXXX. I feel that I should be compensated over this transaction, for not continuing the loan after they called on XX/XX/XXXX that they loan appraisal was in. Today XX/XX/XXXX The XXXX XXXX is questioning the fairness of the appraisal. To increase my out of pocket expenses tp XXXX plus the origination fees of XXXX, I am questioning this practice as I am only refi- and I not requesting and cash at closing. I am feeling a discrimination practice going on. I would like to decline to continue and have all my personal information that should be privite and considered personal information.. Thanks XXXX
Product: Student loan

On XX/XX/year>, I submitted a XXXX  Misconduct Discharge application to Navient with supporting evidence which demonstrated XXXX XXXX misconduct and how it negatively impacted me. 

On XX/XX/year>, I received a decision from Navient denying my application for a XXXX XXXX XXXX. The included rationale for the decision stated that, A variety of factors are considered in determining whether a private loan should be XXXX based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. Subsequently, I spoke to a Navient representative via phone and asked for clarification on the factors that Navient used to make their decision, so that I could try to satisfy them further. I was told that the factors that Navient uses to decide whether to discharge private student loans related to school misconduct are proprietary and would not be divulged to me. 

On XX/XX/year>, I again spoke to a Navient representative and asked for another XXXX XXXX XXXX application, because I have new information to submit. The representative at first refused. When I pressed her for why, she than said that she could sent me another application but that it wouldnt change the results because it would just be a duplicate application. 

It has been well documented in the XXXX XXXX XXXX XXXX XXXX  engaged in misconduct by misrepresenting its job placement rates, and exaggerating likely earnings of graduates from its programs. I have shown that I graduated from XXXX with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and that I am therefore included in this harm caused by XXXX. As evidenced by the fact that I have received settlements in the XXXX cases relating to school misconduct by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX University FTC XXXX XXXXXXXX XXXX XXXX XXXX XXXX  My original private XXXX  loan amounts totaled {$42000.00}, I have been paying on them for 15 years, and they now total XXXX a increase of 65 %. I have been unable to obtain fXXXX XXXX. I have often been unable to afford to rent an apartment, let alone to buy a house. I have slept on friends couches. During the worst of times and have had to resort to living with my XXXX  mother, as a XXXX man, this was incredibly humiliating. I am only housed now because, as a veteran, I have been able to obtain a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and live in a tiny apartment. I have been unable to save for retirement or save anything, for that matter. And as I approach my senior years, the future looks bleak. I often ponder how much better my life would have been, had I never attended XXXX, without being {$140000.00} ( XXXX and XXXX combined ) in student loan debt for an education that was worthless. 

Navient is culpable in the damages caused XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The FTC has stated that student loans are within the scope of the XXXX XXXX. For private loans, the borrower XXXX be able to cancel existing debt if a XXXX  fraudulently induced the XXXX XXXX XXXX  and had some relationship with the lender.
Product: Credit card

I had a Best Buy Mastercard for several years. Out of the blue I noticed a {$59.00} annual fee that was never there before. I called and was told they are now charging an annual fee so I asked them to close my account. The {$59.00} fee is still due and I have been told that I must pay it or my credit will be affected. I never paid a fee before, nor did I use the card in many months that would result in a default acceptance of the fee by using the card.
Product: Vehicle loan or lease

I got a loan with Santander in 2015. I have already started defaulting within the year. I had to have my mom borrow and myself be the co-signer because she didnt make enough money and my credit wasnt good enough. I have struggled for years to pay this car. They have only helped with deferrals when absolutely necessary, even during XXXX XXXX. Their representatives have lied to me, and after going through health issues, including XXXX, I asked them for a a deferral and they said they couldnt that they would try to modify my loan. They never got back with me on that and said they didnt know what I was talking about. They repossessed my car today and are trying to charge me XXXX dollars to get it out. This is the first time this has happened. No one is willing to help me. I am quite sure I am included in their class action lawsuit. I was 94 days past due, with 4 payments due and XXXX and some change in late fees. They towed my car over 3 hours away and I cant retrieve my personal belongings. This is absolutely absurd. I demand Santander give me back my car that Ive paid XXXX on already and still owe XXXX somehow and call it even. These people are crooks and thieves and prey on the poor. They have never helped me! I want my car back and I want the payments to disappear. I have paid enough!
Product: Credit reporting or other personal consumer reports

Company is reporting inaccurate information on my credit report. 
Please see attached documents.
Product: Mortgage

WHAT HAPPENED Describe what happened so we can understand the issue ... 
After returing home XXXX in XXXX. I was unabled to work. I worked hard to pay bills, but we were n't making ends meet. I was making progress with my VA claim for benifits, but it is a very long process, which reguires several appeals to complete. We started having trouble meeting our mortgage payments, and contacted flagstar bank to help us work something out. I mentioned the Obama mortgage help plan, the lady i talked to said they could work it out, but i had to be three months behind on our mortgage in order to qualify. She said not to make payments, partial payments were unexceptable to flagstar, although i offered.After the three months elapsed i started getting default letters and harrassing phone calls. I explained to them the conversation i had with the Flagstar rep, they said they would look into it. I called her back and she said it was to late now, and that my mortgage was in default. She had a very bad attitude, and refused to talk to us any further about the matter. Flagstar claimed they sent everything to their attorneys and there was nothing furthur they could do for me I explained to them that my VA money would be coming soon, and that this just can '' T happen to me They became agitated and rude, and said i have to go to the attorney. Shortly after that conversation i received a letter delivered by the sherriff department, that my home would be autioned off in a couple of weeks.Luckily, the backpay check came in at the last minute from the VA & gt ; I was able to pay the rearage, plus attorneys fees and keep my house. We were victims of a dual tracking procedure, commnly done by banks. I had no idea until recently what dual tracking meant, and that it is against the law. I should have never been treated this way. XXXX. And am now XXXX VA XXXX. I should have been priority to them for the obama help. But Flagstar cared less. I believe we were told not to make payments even partial ones, in order for flagstar to buy time, to justify foreclosure. I have always had good credit, and owned this home since XXXX. The foreclosure status is still on my credit report. Flagstar refused to have it removed.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally notify you of ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., related to your handling of disputes I have submitted regarding inaccurate and incomplete information in my credit report. These issues mirror the allegations made in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX ( Case No. XXXX ), and they have caused significant harm to my creditworthiness and financial opportunities. 
Specific Violations Failure to Conduct a Reasonable Reinvestigation Despite my dispute submitted on XX/XX/year>, Equifax, has failed to conduct a reasonable reinvestigation into the accuracy and completeness of the information as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
XXXX responses to my disputes have been vague and inconclusive, reflecting the same procedural inadequacies outlined in the CFPB lawsuit, such as over-reliance on furnishers responses and failure to verify disputed information properly. 
Failure to Convey All Relevant Information to Furnishers You have failed to provide all relevant information I submitted in support of my disputes to the original furnishers, as mandated by 15 U.S.C. 1681i ( a ) ( 2 ). This lack of due diligence severely compromises the integrity of the reinvestigation process.

Continued Reporting of Inaccurate Information XXXX continues to report disputed information as accurate, even when supporting evidence clearly demonstrates inaccuracies. This conduct violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy. 
Impact of Violations Your actions have caused significant harm, including : Denial of credit and less favorable financial terms. 
Emotional distress and reputational damage. 
Financial losses associated with higher interest rates and missed opportunities. 
Demands for Resolution To resolve this matter without further escalation, I demand the following : Immediate Correction or Deletion : Promptly correct or delete the inaccurate and unverifiable information from my credit report. 
Compliance Confirmation : Provide written confirmation of all corrective actions taken and an updated copy of my credit report.

Damages : Compensate me for : Statutory damages of {$1000.00} per violation, as authorized under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ).

Punitive damages for willful noncompliance with the FCRA, under 15 U.S.C. 1681n ( a ) ( 2 ).

Reimbursement of legal fees and costs incurred in addressing this matter. 
Next Steps If these demands are not met within 15 days of receipt of this letter, I will have no choice but to pursue the following actions : File formal complaints with the CFPB, Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
Initiate legal proceedings to enforce my rights under the FCRA. 
I strongly urge you to address this matter promptly to avoid further escalation. Please send all correspondence related to this matter to the contact information provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a cosigner on this loan only ... since it was repoed it shows on my report as if it was my loan.. I also disputed this account recently and now it is showing an opening date in 2017 when all actuality this account was opened years ago and has been charged off. This is causing my credit score to be  lowered because it looks like a recent collection on an account that I just opened