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

XXXX XXXX reported 30day in XX/XX/2023 we are currently in XX/XX/2023. Loan care received payment on XX/XX/2023 which is within 30days. Theyre reporting inaccurate data that has caused an hardship on my financial status and employment. Ive called several customer representatives was told I would receive a call back from a manager that day and its been over two weeks no call, and no notification from from XXXX. This mortgage company is practicing unethical behavior, causing injury to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Us Dept Of ED/XXXX  Account 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

I am set up for a two-installment, automatic payment to pay my balance in full each month. This month I wanted to pay only on the due date, so I cancelled the mid-month payment. I went to change the due-date payment to the full balance instead of half, but it already showed the full balance, so I did nothing. When my payment came out of my checking account, it was only half. At this point I was willing to accept this was probably my error. To avoid interest, I made a one-time payment of the remaining balance. Yesterday, I noticed the payment had not been deducted from my bank account. After much research, I figured out that the payment was taken from an old, closed account. At this point, I was still willing to assume it was my error. I went to schedule a 1-time payment again, but noticed the old, closed bank account wasn't listed as an account to choose from, so I could not have made the error and am no longer willing to take responsibility for this. I did not trust making another payment online, so I paid through the automated phone system, using my account and routing number ( not the saved account ).
Product: Credit reporting or other personal consumer reports

This letter serves as an official dispute under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681 and 605 ( b ). I demand the immediate deletion within 4 days of the following inaccurate and unlawfully reported accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion must immediately remove unauthorized inquiries from XXXX XXXX and XXXX XXXX XXXX XXXX as these were not initiated by me. 

I have repeatedly requested purchase agreements, contracts, and any other legally binding documents that tie me to these accounts. Neither the furnishers nor your agencies have provided such evidence. A bill or statement is not proof of liability or authorization. The absence of these documents demonstrates there is no valid basis to report these accounts, and they must be deleted without delay. 

These inaccuracies stem from the XXXX data breach, which compromised my consumer report and exposed me to financial harm. XXXX is directly responsible for ensuring all inaccuracies caused by this breach are promptly corrected. As per FCRA requirements, when one reporting agency removes inaccurate information, the others are obligated to do the same to maintain compliance. 

Additionally, stall tactics such as Oscar and Metro 2 coding must not be used to delay this process. I have included my FTC identity theft report as evidence supporting this dispute. Your failure to provide the requested documents or delete these accounts within 4 days will result in immediate escalation, including formal complaints to the CFPB and legal action to recover damages. 

This is your opportunity to fulfill your legal obligations and rectify the harm caused by your negligence. I expect written confirmation of the removal of all disputed items within the specified timeframe
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked to put a security free on my account a few months. I am not sure if the credit bureaus did that. I saw a handful of fraudulent accounts and credit inquires on my credit report without my knowledge.I contacted transunion, equifax and experian regarding these fraudelent accounts and credit inquires and they explained that i need a ftc report. I did not initiate it. None of these account transaction was done by me.
Product: Checking or savings account

On XX/XX/XXXX I did a mobile deposit into my bank of America account. Because in the past I had no issues with 3rd party checks, I submitted a check that was in my companies name but signed check with my account name. I was told check will be cleared in several days. Days later I went into my online banking and it was closed. When I called Bank of America fraud department and risk department they said they closed my account based on this check I submitted which is a stolen check. I ask if they investigated with writer of check and bank who the writer of check banks with to verify it is not a stolen check, they said no to all the above. So I said how can they assume and then accused of accusations not correct if they didn't investigate. They said I will recieve a check with my funds left in account and account will be closed. After advising days before that check was stolen on XX/XX/XXXX they deposited check into my closed account that they closed based on this stolen check they said. If it's stolen why did bank deposit into my closed account? After calling everyday since this situation, no one in this department can give me dates or a time frame when they can return check of XXXX to the writer of check so that they may write me a new check and I can deposit in my new bank. Everyday it's the same thing, we have no time frame on when we will return writer the funds. When I state no time. Frame can mean months, years, and they said it can take exactly that. I have all recordings with all the departments spoken to at bank of America who again refuses to return funds that do not belong to them. The writer of check and the writer bank has given me a letter which shows that BOA deposit the check and that it was not a stolen check and that bank of America never contacted them to verify if this check was stolen or not before assuming and wrongfully accusing me of a crime never committed.
Product: Student loan

Between XX/XX/XXXX-XX/XX/XXXX I attempted to submit XXXX  loan forgiveness application to Navient student loans, 6-8 times. Each time, customer service said the application was denied due to an error on the application. I attempted to correct several paper errors, fixing simple corrections. Navient claimed I did not fill out paperwork properly, however, each time directions to correct the errors was different and my paperwork was continuously deleted each time. I do not believe Navient kept adequate documentation on my progress to complete the application. I met all of the requirements according to the loan. I have documentation from XXXX  ; my certified XXXX  XXXX  XXXX  XXXX XX/XX/XXXX; an employment verification with XXXX  from XX/XX/XXXX-XX/XX/XXXX ; and proof of working at a XXXX XXXX XXXX I believe Navient is refusing to accept my application even though I have met all of the  requirements to qualify for the XXXX  Loan forgiveness program. I believe to the best of my knowledge I qualify for the maximum amount to be forgiven, {$17000.00} and Navient is refusing to honor this application based on dishonest and/or unethical reasons.
Product: Checking or savings account

This is a follow-up complaint on my previous complaint # XXXX ; bank of America has failed to address my request properly, they have wasted my time and now claim that I initiated the claim to dispute my wrongly charged fee of XXXX by XXXX outside the window. In another mail, I received today that is dated XXXX XXXX, 2021, Bank of America claims that I have failed to provide further information or documentation in regard to my case and now they want to stick to their initial decision. They are providing inconsistent excuses in every mail they sent me that show they are bad people. Whoever is handling my claim is a bad and unprofessional banker. 

I had opened the claim right on time and they favored XXXX based on wrong evidence that was a forged signature on the XXXX carrier for the delivery of an item. 

I need the bank of America to be responsible for this wrong decision and refund my XXXX as they have provided the guarantee for a fraud-free transaction. 

Thank you for protecting me. 

XXXX
Product: Debt collection

I got a summons in an amount of XXXX. On XXXX XXXX  XXXX XXXX  which was turned in to Portfolio Recovery. I did not use this card My ex husband used it when the divorce was final I know nothing about this card where it was used or anything The summons was filed on XX/XX/year> I just received on XX/XX/year>. I have called XXXX them selves and filed for fraud I am now trying to hold of portfolio recovery to report fraud to them
Product: Credit reporting, credit repair services, or other personal consumer reports

NEITHER OF YOU CRAs follow your own policies nor the Federal or State ... .. 

I DEMAND PER THE CHALLENGES ( DISPUTES ) SUBMITTED ALL OF THIS CALENDAR THE FOLLOWING INFORMATION AS IT PERTAINS TO YOUR SO CALLED INVESTIGATIONS WHICH ARE SIMPLY YES OR NO QUESTIONS YOU ASK THE DATA FURNISHER ... .I HAVE DONE EXTENSIVE RESEARCH AND THIS IS WHY YOU GUYS ARE ALWAYS GETTING SUED!!! ALL YOU CARE ABOUT IS MAKING MONEY AND NOT ABIDING BY ANY STATUES, LAWS, CODES, POLICIES THAT YOU YOURSELVES HAVE IMPLIMENTED YOU CARE NOT ABOUT THE AMERICAN PEOPLE WHO MAKE YOUR POCKETS FAT ON A DAILY BASIS YOU ARE ACTING AS XXXX HIMSELF!!! 

I DEMAND : 1. ) NAME AND TITLE OF ALL MEN AND WOMEN WITH WHOM YOU HAVE COMMUNICATED WITH REGARDING EVERY ACCOUNT DISPUTED IN XX/XX/2018 2. ) PHONE NUMBER OR EMAIL OR FAX TO THE MEN AND WOMEN WITH WHOM YOU HAVE CONDUCTED YOUR INVESTIGATIONS WITH 3. ) FULL DETAILS ON EXACTLY HOW YOU COMPLIED TO EVERY LETTER AND WORD IN THE AFFIDAVITS I HAVE SENT YOU 3 XXXX CRAS!!!!!!!! 

SO RESPOND TELLING ME DO WE NEED TO SETTLE THIS MATTER IN COURT OR NOT? DONT RESPOND AGAIN TALKING ABOUT WHAT YOU VERIFIED!!! THAT IS REDUNDANT WHEN YOU ARE USING SOME LAME XXXX XXXX XXXX XXXX   YOU PLAY THE GAME IN AN UNFAIR MANNER ... .WE ALL KNOW WE NEED DOLLARS AND CREDIT TO CIRCULATE THRU THE ECONOMY ... .PLAY FAIR FOR ONCE!!!!! FREAKING PUBLIC RECORDS SHOULDNT EVEN BE DISPLAYED ON MY CREDIT REPORT AS I OPTED OUT OF SO MANY 3RD PARTIES AND YOU TOO ARE A 3RD PARTY!! 

YOU HAVE NO FIRST HAND KNOWLEDGE OF PUBLIC RECORDS WHAT SO EVER!!!!
Product: Credit reporting or other personal consumer reports

My Porsche XXXX was declared a lemon under Texas lemon law in XXXX. Throughout the buyback process, I received contradictory answers from multiple people at Porsche Financial Services about whether I needed to continue lease payments during the buyback process, which took several months. My credit was not hit for XXXX, confirming that there would be no credit impact. Then suddenly, I received a 60-day late notice in XXXX with no warning. I called Porsche Financial Services, and a different supervisor told me they would do a " date back '' once the buyback was complete to remove the late marks on my credit. When I called after the buyback was completed in XXXX, they acted like I was crazy and refused to do it. Additionally, they never recorded my on-time payment in XXXX. 

I filed a dispute with XXXX, which Porsche Financial Services refused to fix. 

Porsche Financial Services then refused to provide me records of my multiple calls to them from XXXX until now, when I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this with XXXXXXXX XXXX XXXX indicating that they are reporting this account inaccurately and without my permission on my consumer reports! Due to the FCRA AND FTC commission laws consumer reports must obtain accurate information and Prestige Financial services is not submitting accurate information to XXXX Equifax and XXXX. It is reporting that the account was included in a XXXX  XXXX bankruptcy and it was not. Please REMOVE from all three credit bureaus due to the inaccuracies being reported!
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian regarding their failure to properly resolve a dispute I submitted concerning inaccurate information on my credit report. Despite my formal request for verification and correction of the disputed items under the Fair Credit Reporting Act ( FCRA ), the response I received from Experian has been inadequate. 

Here are the details of the issue : Report Number : XXXX & XXXX & XXXX Dispute Submitted : XX/XX/year> XXXX XXXX XXXX  ( XXXX ) Account XXXX : XXXX Original Dispute Reason : This account does not belong to me. 

And : Report Number : XXXX XXXX & XXXX Dispute Submitted : XX/XX/year> Account Name : XXXX XXXX  Account No : XXXX Original Dispute Reason : This account does not belong to me. 

Experian informed me that the disputed item had been " updated '' but failed to provide any verification or documentation to support the continued reporting of this item. I formally requested verification as required under FCRA Section 611, and I have not received any substantiating evidence from Experian to confirm the accuracy of this information. 

Summary of My Issue : I requested verification of the accuracy of an account on my credit report, and Experian claimed they updated the item but did not provide any documentation to support their findings. 
I asked for the supporting documentation, as is my right under the FCRA, but Experian has failed to respond appropriately.

The inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing.

Resolution Requested : I am requesting the CFPB to assist me in ensuring that Experian : Provides the necessary verification documentation they claim to have used in their investigation.

Removes the disputed item if they are unable to provide verifiable proof of its accuracy.

Ensures that any actions taken by Experian comply with the 30-day investigation requirement as mandated by the FCRA. 

I also request an investigation into XXXX handling of consumer disputes, as this failure to provide proper verification and their vague response regarding an update is causing significant harm to my credit.
Product: Credit reporting

This was disputed/updated. The update forward to me from Experian was dated XX/XX/2016 : and reads in Comments : ( Never late paid as Agreed ) - from the bank investigation : XXXX Bank that replied to my dispute made. However the updated Experian report today ( XX/XX/2016 ) still shows ( 2 ) periods of 30 days late reporting with the Comments : never late paid as agreed. Additionally it still shows a balance that was not addressed also. The Balance of {$110.00} was a refund ( given ) transaction processed by XXXX of {$99.00}. At this time the bank have place it back on my credit report plus interest. See the e-mail from XXXX uploaded as documentation of the process from XXXX/XXXX/2016. XXXX Bank gave the credit for the {$99.00}, as well forward me the overage ( check ) payment of {$19.00} when it settled. From dispute of late pays I made they now claim that they never received the Refund Transaction from XXXX placing this back on my Experian Report
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not have a contractual obligation with XXXX XXXX they are so inaccurate they have all kind of different dates saying i open the account they are so inaccurate its 7 years now and sould fall off my report saying i open account on the XXXX/XXXX/XXXX and on the XXXX/XXXX/XXXX this account need to be deleted from my report and not reporting no data
Product: Credit reporting, credit repair services, or other personal consumer reports

My misery continues!!! 

I sent cfpb a complaint about Equifax reporting TWO Social Security Numbers for me when I have only ever had ONE SS # in my entire life!!! Complaint # XXXX. 

You reported that Equifax needed more time than the normal 14 days " investigate. '' Up to 60 days! 

I just received a letter from Equifax dated XXXX XXXX, 2017 saying they need {$8.00} and additional documents that authenticate my identity -- including ironically -- a copy of my SS # Card! 

This is outrageous. 

There is no way to report additional events on the original complaint. So I am opening a new complaint here. 

Please help me to regain singularity in my identity! 

One SS # is all I need. 

Thank You.
Product: Credit reporting or other personal 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 **Subject : ** Dispute of Inaccurate Information and Unauthorized Inquiries Dear CFPB, Im writing to dispute inaccurate information and unauthorized credit inquiries on my credit report. 

XXXX. **Inaccurate Information** : There are some entries on my report that I do not recognize or that are incorrect. I believe these should be removed or corrected. 

XXXX. **Unauthorized Inquiries** : There are credit inquiries listed that I did not authorize. According to the Fair Credit Reporting Act ( FCRA ), inquiries should only appear with my permission, and these should be removed. 

Please investigate these issues and help ensure my credit report is accurate. If you need any more information from me, please let me know. 

Thank you, XXXX XXXX XXXX XXXX
Product: Mortgage

About XX/XX/XXXX I called Navy Federal Credit Union about a home equity loan. 

I was transferred to Mortgage department and spoke to a man who gave his MLS #. 

I said there is a first mortgage and another lien. When he asked what was owed on the other one I said about {$10000.00}. When he asked what was the original amount I said about {$40000.00}. I then explained no payments are due on that lien as it was structured where after 5 years it would be paid in full. Each year the amount would be forgiven by 20 % until year 5 where balance would be reduced to XXXX. XXXX is the start of year 5. Its paid in full around XX/XX/XXXX. 

XXXX XXXX sent me an email requesting two different items. 

Per XXXX on one occasion the underwriter wanted proof I was a telecommuter employer with a letter from my manager. 

On another occasion after I sent documentation showing my HOA fee had been paid, XXXX said the underwriter was requesting a formal letter from my Homeowners Association on the HOA letter head. 

I went online and emailed her the standard document from the HOA website. I then called her and she said Oh Im reading it now. Ok this is fine. 

She NEVER sent it to underwriting. It appears underwriting did not request any of those documents. She did this to delay the long process. Unethical. 


On XX/XX/XXXX I received a call from XXXX XXXX who stated she was setting the closing up for week of XX/XX/XXXX. 

On XX/XX/XXXX XXXX called and said the title was denied due to a silent lien on the property. I explained that lien was disclosed at the time the application was taken. She said Im sorry you was misinformed. Navy Federal made the mistake. I was disclosed the lien at the time the application was taken. 

XXXX who seemed giddy almost laughing said the title review shows a balance of {$43000.00}. I said the title review is wrong. 
XXXX then stated the only way to do the loan was for the customer to agree to increase the loan amount by {$43000.00}. I said that makes no sense when the amount owed is {$10000.00}. This has got to be illegal. 

I asked for a supervisor she said shes busy. I asked to be transferred to her voicemail she refused to transfer the call. 


How many other customers have they done this to?
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in three letters stating that the address they have on file are wrong, the only address that should be on my credit report is XXXX XXXX XXXX XXXX XXXX  XXXX CA, XXXX Please delete all other addresses because they are outdated information, and some of them I never lived there. They still havent deleted the old address.I have been a victim of fraud in the past due to things being sent to other addresses and people using my information.
Product: Credit reporting or other personal consumer reports

Transunion, I am writing to formally dispute unauthorized credit inquiries that appear on my TransUnion credit report. Below are the details of the inquiries I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were made without my knowledge or consent and have adversely affected my credit score. I did not authorize these entities to access my credit report, and I request that these inquiries be removed immediately. Attached to this letter is my government-issued identification, and any additional supporting documentation. I have also contacted TransUnion directly to dispute these inquiries, but I seek the CFPB 's assistance to ensure a thorough investigation and prompt resolution of this matter. Please confirm receipt of this letter and inform me of any further actions I need to take. I appreciate your assistance in resolving this issue promptly. Thank you for your attention to this matter. Sincerely, XXXX XXXX Attachments : Copy of government-issued identification
Product: Debt collection

They call me and threaten me with service of process and that I need to be present to receive service of process. there is no case in XXXX XXXX filed against me and this is deceptive and fraudulent. They do n't tell me what the debt is for and they never tell me the name of their company or read me the mini miranda.
Product: Credit card

I am writing to express my deepest disappointment and frustration regarding the recent experiences I have faced with Bank of America. As a customer who has been with your institution since 2018, I have always been a staunch advocate, proudly recommending your services to all my acquaintances. However, my unwavering trust in the bank was shattered last month due to a series of mishaps that not only caused me immense stress but also led to severe anxiety.Being a XXXX with my family 's roots firmly planted in XXXX, my life has had its share of challenges, and the added pressure from the bank in the past month has been overwhelming, triggering XXXX XXXX. The ordeal began during a business trip in another state when my credit card inexplicably ceased to function. Despite spending days on the phone with your representatives, the issue remained unresolved, compounded by the impractical requirement of providing physical identification documents while I was away from home.Upon my return on XX/XX/XXXX, I was shocked to find a notice threatening to freeze my account within a day if the requested documents were not submitted, despite no prior email notification. Racing to the bank, I spent hours trying to rectify the situation to no avail, eventually resorting to paying {$40.00} for overnight document delivery. Today, I received the devastating news that my credit card has been closed, leaving me feeling deeply hurt and confused.As a diligent and faithful customer who has consistently met all financial obligations with the bank, the emotional toll of these events has been unbearable, reducing me to tears for XXXX consecutive days. With all my financial dealings exclusively with Bank of America, I am now seriously contemplating terminating all relationships with your institution and closing all my accounts.I implore you to conduct a thorough investigation into these occurrences and provide a resolution that addresses my concerns. The treatment I have received is unacceptable, and I sincerely hope for a swift and fair response to rectify this situation.