23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

CFBP Explanation to input in : ( can re-word it ) but must have all in the body 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 XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States that I have to 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 ) ( 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 ) : also states that 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 card or prepaid card

My direct express government card has frozen my account bc they suspected fraud. This was on the XX/XX/XXXX. They said it is suspended until I contact them but Ive called night and day, and have been sitting on hold for hrs until the system hangs up on me for a week now. Its the only income I have n my bills and rent have been due since the first.
Product: Debt collection

Have attempted multiple times to contact company to start paying off with monthly payments that are affordable for me, but no one would ever return my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a final letter to the Credit Bureaus discussing an issue with my consumer credit report. I explained that I have sent multiple letters regarding the furnishing of my personal credit file. In the letter, I stated the following : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I also requested verification via a signed application or contract with said companies and have not received anything to verify that I authorized the release of my personal credit file to these companies. To date, I have not received any verification documentation of any kind to resolve this matter nor has the item been deleted. My next step will be small claims court if this matter is not resolved. 

I have studied the law and noted that in order for an account to continue reporting on my file, it must be accurate and verifiable. Neither of which are the case regarding this account. 

I received a letter on XX/XX/2019 stating that they have verified the inquiries. Due to the number of inquiries, I am attaching the documentation sent to each company regarding the request for deletion. 

The additional letters were sent XX/XX/2019, XX/XX/2019 and XX/XX/2019. I have attached copies of the certified receipt and I appreciate your assistance with resolving this matter.
Product: Debt collection

Most recently ( XX/XX/XXXX ) a payment was made to Hunter Warfield against threats of legal action by two male reps within this companies Legal Department. I made a payment of {$170.00} plus a processing fee of {$9.00} on XX/XX/XXXX using a credit card to begin payments. However, as I have complained to the company itself the debt account is for 3 individuals total. I assume due to being the only one calling to attempt to settle the debt I was harassed and forced to make such large payments. I have requested the company afford me the opportunity to set up payments each month for {$50.00}, but Customer Service would not assist claiming I had to pay the minimum ( at the time ) of XXXX. I was unable to do so and that is why the debt went unpaid until XX/XX/XXXX. I truly want to repair my credit and get this debt paid off. My complaint to you is that as one of three people I cant truly afford XXXX a month. I have other debts and its a strain on paying my regular cost of living expenses. Nothing luxurious just referring to my rent, gas, lights, and water. The luxurious bills of any are phone, cable, internet, food, etc. I am seeking assistance from a third party as I only want Hunter Warfield to assist me and allow me to pay {$50.00} a month for now. I set up a 6 month draft for XXXX/mo plus the XXXX processing fee due to the Pre Legal Departments threats to take further legal action. As a single parent of XXXX  XXXX  I can not afford to let my check be garnished or any other actions that may occur. I tried emailing and making phone calls to multiple people with no response. Those individuals are XXXX XXXX, the support services email, an XXXX email address provided in response to a bad XXXX review I posted, and a number ( XXXX ) provided on the same bad post reply. All the emails end XXXX. Again, I would like a fair payment arrangement for myself as I am not the only one on this account and the times I have attempted to speak with the Pre Legal reps ( all males ) I have been laughed at for requesting the opportunity to pay {$50.00} and/or had very rude reps to the point I did get upset and argued with them as I felt I was being bullied and disrespected. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with Navy Federal Credit Union on my credit report for~XXXX USD was closed and the contract was cancelled I'm XXXX. Navy Federal has been asked several times since XXXX to remove the amount from my credit history because they are reporting it as charge off/bad debt. In XXXX Navy Federal updated the account to report the last payment made was in XXXX and now the fraudulent report allows the charge off account to appear recent and verified. Navy Federal has no integrity and it is apparent. I am requesting for the XXXX time for this old navy Fed account to be removed from my credit history due to its age, accuracy, and fraudulent nature.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. Account XXXX. Date Opened XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). Account XXXX. Date Opened XXXX ( Original Creditor : XXXX XXXX XXXX ) Account XXXX. Date Opened XX/XX/2023. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. These accounts are not accurate. Attachments will show the various inconsistencies circled in red.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, especially in light of of the recent CFPB lawsuit highlighting significant issues with the platform. After using Zelle and expressing discrepancies and concerns Zelle and my financial institute failed to investigate my claims properly. The my told me recovering lost funds was impossible. The CFPB findings indicate Zelle has not only neglected to protect consumers but they have allowed repeat offenders to exploit this system, leaving users like me extremely vulnerable to theft and scams. This is unacceptable and raises concerns of consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXXXXXX and XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal of all outdated and incorrect information from my CoreLogic Credco consumer report. Specifically, accounts from the years XXXX to XXXX that exceed the legally permissible reporting timeframe under 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ). These outdated entries should no longer appear on my report, and I expect all necessary corrections to be made promptly.
Product: Credit card or prepaid card

See attachments for more detail. I am requesting my {$140.00} Annual Fee ( charged on XX/XX/20 ) on my closed card be removed, as I was told repeatedly by Banco Popular phone CSRs was the policy both before and after applying for the card. Banco Popular should be investigated by the CFPB for the way they slam customers for Annual Fees when their phone CSRs say one thing, but then customers are "  trapped '' once it posts because they refuse to follow their own rules, won't communicate, and won't remove errant Annual Fees when requested. 


B.P. has a standard policy of allowing card cancellation within 60 days of the Annual Fee posting. I called prior to applying to verify. After applying and receiving the card, I realized during first month the reward program tied to the card was marketed as better than reality, so the card did not have the value advertised. Therefore, rather than continue to use and pay the Annual Fee I sent in a request to both cancel the card ( well within the 60 days ) and remove the fee. B.P. cancelled the card, but did not remove the fee as requested. I called a CSR to inquire, and although he agreed, I was then transferred to another department who now claimed the 60 days was only for renewals of the Annual Fee and that it was specified as such in the terms. This is an absolute falsehood there is nothing in the terms that indicated Annual Fees are treated differently, as they are intended for continued usage of the card for the upcoming year regardless of whether its the first or a subsequent one! 


Further, calling and emailing indicates consistently that B.P. has a generic uniform 60 day period to cancel the card after the Annual Fee posts. However, none of these people are empowered with completing a closure/refund request. Instead, when physically mailing or emailing B.P. to complete the request, those departments suddenly refuse to honor what B.P. has told the customer verbally and instead they claim its prohibited in the terms ( which it is not )! This appears to be a scheme to fleece customers. Any recorded call log related to my B.P. credit card will confirm my claim. My repeated emails to XXXX to get this resolved ( starting on XX/XX/XXXX) have been ignored. 


What is clear in the Terms is the Annual Fee is for an annual use of the card. Whats also apparent is that B.P. multiple times said they will refund this if done within 60 days of the posting, which I did, since obviously the card is being cancelled instead of being used for the upcoming year so the reason for the fee is no longer valid based on the timing of cancellation. If B.P. wanted to enact a separate official policy for how it  handles the first Annual Fee vs. renewal Annual Fees, it could have but it has clearly NOT done this yet. Therefore, I expect my fee to be refunded under the standard policy I have been repeatedly told applies, and which I was requesting as part of my card cancellation that B.P. agreed to.
Product: Debt collection

A XXXX U.S. citizen fighting for his right to privacy. I have never given my consent in writing or otherwise for my personal nonpublic information to be made public with any company or institution. 



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. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

The vehicle was sold at auction on XX/XX/XXXX. XX/XX/XXXX, the Global Lending Service account was removed. However, the account was opened again on XX/XX/XXXX, and appeared on my account again recently as if it was a new open loan with immediate repo.
Product: Credit card or prepaid card

I previously filed a dispute against my Wayfair Credit card for an item I returned and never received a refund for. Meanwhile, I continued to make monthly payments for the item and incurred late fees and interest. I have received notification from Wayfair that the dispute was resolved in my favor, and I was credited for the original purchase. I contacted customer support because, in addition to the credit for the original purchase, I am owed the monthly payments, late fees, and interest I should have never paid for this item. I was told I would receive the additional funds but to date have notes. The current balance of my account is- {$490.00}.
Product: Bank account or service

On XXXX/XXXX/2016 I noticed on my online checking account a debit of XXXX I from an unauthorized source. I called the bank since it was pending debit and was told that they would file a claim to have it removed. My husband notified the company because it was a charge from a previous contract and had it cancelled. He provided the bank with the cancellation number. 
The customer service rep took the information and credited our account. 
When I checked my account the next day XX/XX/XXXX, the amount had been debited again causing an overdraft, and there was no record of the pre- vious debit or credit from the night before. I called the bank again, and the customer service rep transferred the call to the claims dept, and there wa no record of what had transpired, and I was told that we had to wait 15 days to see the money credited again. I asked for a manager, and was put on hold and then told I had to call back tomorrow. I asked for the address to write to the dept manager, and was told that they were in XXXX .... My concern is that there was no record of what transpired the day before, and this is a large financial institution.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires without my knowledge and or consent. Please delete from my credit report BK of Amer XX/XX/XXXX BK of Amer XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries on My Credit Report I am writing to formally dispute unauthorized inquiry appearing on my credit report. Upon reviewing my report, I noticed the following inquiries that I did not authorize and for which no permissible purpose was provided : The inquiry ( ies ) I am disputing are as follows : Company Name : [ Wells Fargo BNA ] Date of Inquiry : [ XX/XX/year> ] Company Name : [ XXXX XXXX XXXX XXXX  ] Date of Inquiry : [ XX/XX/year> ] Company Name : XXXX XXXX XXXX XXXXXXXX ] Date of Inquiry : [ XX/XX/year> ] * Company name : [ XXXX XXXX XXXXXXXX XXXX  ] Date of Inquiry : [ XXXX/XXXXXXXX ] Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, entities may only access a consumers credit report with the consumer 's explicit consent or for a permissible purpose as defined by law. I have not initiated any transactions or provided authorization for these inquiries. Furthermore, if these inquiries were conducted without my consent, they constitute a violation of the FCRA.

Additionally, under the FCRA 15 U.S.C. 1681c-2, consumers have the right to place a security freeze on their credit reports to prevent unauthorized access. Any failure to comply with these federal protections may result in penalties as outlined in 15 U.S.C. 1681n and 1681o, which provide for civil liability in cases of willful or negligent noncompliance.

I request that you : 1. Investigate these inquiries to determine the party that accessed my credit report.

2. Provide me with documentation showing that I authorized each inquiry listed above or evidence of a permissible purpose.

3. Immediately remove any unauthorized inquiries from my credit report.

Please consider this letter a formal request under the FCRA. I expect a response within 30 days as required by federal law. If these inquiries can not be verified, they must be deleted promptly.

Thank you for your prompt attention to this matter. I look forward to your investigation and resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I have reached out to Experian multiple times concerning several items they are reporting on my credit report. Despite sending multiple letters directly to Experian, I continue to receive emails from them stating that they do not believe the letters were sent by me. This is particularly frustrating, as I have clearly indicated in each letter that I am the sender. 

I am deeply concerned by what appears to be an attempt to disregard my rights. Given that their deadline has now exceeded 90 days, I respectfully request the immediate removal of the disputed items from my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted disputes online, but it doesn't remove inaccurate reporting. Instead, they just add a statement. Their report has names that are not mine, accounts that are not mine, phone numbers that are not mine, social security numbers that aren't mine, and addresses that are not mine. The majority of the report is completely inaccurate and shows other people 's personal information. This is fraud. My credit is being negatively impacted in many ways. This can also change the interest rate I get which has extremely long lasting effects on me and whoever is missing information from their report. There is a student loan account listing over {$57000.00} that was started in XXXX. I was finished with college in XXXX and haven't opened a new student loan account since I was not in school. There are several small personal loans listed from XXXX-XXXX  with a credit union that I've only had an inactive account with since before XXXX. The personal information is beyond mixed up and wrong. I shouldn't have to spend precious hours disputing based on their mistakes.
Product: Mortgage

This has been going on for about 4 months, it started back in XXXX and is still currently ongoing. The mortgage / loan company Mr Cooper has been intentionally delaying my loan assumption transfer over to another fellow veteran, XXXX XXXX, the purchaser of my home and assumer of the loan. This is a VA loan and we are both XXXX veterans. We feel as if we are being taken advantage of. We've been told multiple different things from different employees which conflict with each other, delaying the process even more. We've been told to get the same paperwork multiple times only for the loan to be continually kicked back and rejected. We've been lied to on multiple occasions about the timeline and expectation of both conditional approval and final approval with the loan. A lot of back and forth of emails and phone calls and false promises that have nothing to show for. The realtors I'm working with also are telling me that it seems intentional. I've provided some screenshots of just some of the promises that they have been saying about final approval/conditional approval that's been going on for months now. I just want them to finish the job and stop giving excuses. They're very inefficient and seem to lose paperwork constantly, miscommunicate, give misinformation and just confuse and stress out both parties both me the seller and the buyer. Never have I seen a company so dysfunctional and so inefficient. I seem to be powerless against them and feel completely helpless.