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

I submitted a dispute to remove an invalid account from my credit report and they have not resolved my dispute in time. 
I submitted the dispute on XX/XX/2020 It is passed the 30 days and this dispute is not complete. 
Experian report number is : XXXX I provided all extra documentation they asked for. When I contact Experian Im told they are still working on my dispute. This is illegal and a violation of my rights.
Product: Credit card or prepaid card

We filed a dispute in XX/XX/2020 against a vendor named XXXX for fraudulent charges. Since that time Citi Cards has made no real progress and in fact we do not think that we have been fairly represented. 
1st Citi Card opened the dispute for the wrong amount : we filed the dispute for {$16000.00} and not {$1900.00}. 
2nd Citi Called and tried to close the dispute for what they interpreted as credits of {$17000.00}, but had they read the dispute they would realize that this figure was over-billing error corrections/credits and not a refund of the fraudulent disputed amounts. 
3rd I get a call from Citi Cards ( XXXX ) on Thursday XXXX XXXX regarding the dispute, and she had no knowledge of the details of the dispute which we had filed nor any of the communications that had transpired since we opened the dispute. So we had to start all aver again by resending the dispute details. 

I am a long time card holder and I feel that I deserve better customer service than this. I am hereby appealing one more time for Citi Card to provide me real and fair dispute resolution, which I am entitled to as a card holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has a inquiry breach, and all the inquiries on my report from XXXX to present are not by me! Also someway somehow the XXXX SECURITY BREACH affected me with the inquiries! And for some odd reason the same exact inquiries from TRANSUNION, have appeared on my 2 other credit reports! There are over 70 CREDIT INQUIRIES ON all 3 of my reports and I have tried over 5 times with all 3 credit bureaus with no resolution at all, PLEASE HELP MY FAMILY AND I! I was affected by TransUnion and there negligence in protecting my information! Please have them and the other 2 credit bureaus remove the inquiries! I have reached out to TRANSUNION and XXXX AND XXXX OVER four times, most recently the first of XX/XX/XXXX, but they keep blowing me off and giving me excuses! Please I need your help, I have XXXX kids and this has hurt my credit and caused me to have XXXX credit card companies to close my accounts! Thank you in advance for you help and hopefully the resolution to this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 ( a ) ( 1 ) Congress states : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from any consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction.
Product: Mortgage

Since   XXXX   I have attempted to make additional principal payments on my mortgage. These payments have been continuously misapplied, and in several cases, when rectified as to where to apply them  ( after lengthy phone calls ), the interest was misapplied on the next months payment, instead of the date the   payment was received  ( as the Note calls for ). I ma iled additional principal payments to the address as identified on the back on my mortgage statement and specifically stated principal curtailment. These payments were not applied to principal, instead were applied to my regular payment ( which I have auto pay/withdraw done by the mortgage company ). After speaking with   XXXX   XXXX  , they advised to mail to  three  different addresses :  one in  Fishers, IN,  one in   XXXX , OH, and most recently in  XXXX   XXXX , NJ. Unfortunately, the problem remained the same for each of these addresses ; principal curtailment payment improperly applied to next months mortgage statement. Freedom Mortgage Company states there is no way to do this electronical ly ( either on their web site or electronic transfer ), and by phone mortgage company charges a {$15.00} fee per transaction. Customer service states that additional   principal curtailment amounts can not be applied to monthly payments unless they remain same each month.  Freedom Mortgage  also failed to make tax payment ( despite having bill and their syste m showing four payments per year ) th is  XXXX , and resulted in interest being charged . Freedom has since  paid taxes and supposedly paid interest, however I am not sure until I see a statement from municipality showing account is clean ( no further interest  due ). Obviously this company can not handle simple tasks as principal curtailment and tax payments. I did not choose them and my mortgage was sold to them. All of these are violation of the Mortgage Note, as well as fraud relating to improper application of interest as required by the Note.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: 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 insufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB 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: Debt collection

Company : Credit Collection Services Original Lender : XXXX XXXX XXXX XXXX collecting on behalf of progressive for a total of {$140.00}. I did not receive any document to verify the debt and a proof that it was mine.
Product: Vehicle loan or lease

I went to purchase a car at XXXX XXXX of XXXX. Im a military soldier and I make {$23000.00} a year. The salesman falsified my salary on the credit application to get me approved. They told me my payments would be one amount. It wasnt until I showed the paperwork to my mother & Sergant. That the payment was a different amount. I tried to return the vehicle two days later and the dealership would not accept it back. Im currently in contact with Chrysler Capital and explained everything to them also. They are not being very helpful in this matter. And this bank is known for taking advantage of military soldiers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit repository is reporting incorrect, outdated information with regards to BANKRUPTCY CH-XXXX ref # XXXX. Item has been withdrawn last XX/XX/XXXX,  my social nor my date of birth is not showing in relation to this item, all of which was verified by the court. Clearly, this credit repository 's information/records are outdated and the item was never investigated as my credit report shows. I kept records of my credit report from the day I disputed this item and downloaded new reports and the incorrect information still is reporting. This is a violation of FCRA.
Product: Checking or savings account

I disputed a charge to my debit card in the amount of {$520.00} on XX/XX/2021 because the company did not follow through on their end to provide the service that was promised. I contacted my bank and the filed the complaint as Fraud ( I did not ask them to do this ). I am now told by my bank that the fraud department denied my claim and are refusing to reverse the charge. They are also telling me now that the fraud department has denied my claim, they will not consider my dispute. 

I want to get my money back and my bank is refusing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EXPERIAN ARE REPORTING IN ACCURATE INFORMATION ON MY CREDIT REPORT. 

XXXX : ACCOUNT XXXX XXXX XXXX   ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX IS NOT MINE ACCOUNT XXXX XXXX XXXX XXXX IS NOT MINE ADDRESS : XXXX XXXX  XXXX, FL XXXX- IS NOT MINE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX- IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- IS NOT XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- IS NOT MINE
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This debit was purchased by LVNV FUNDING LLC. last year. The original party was XXXX  XXXXXXXX XXXX  XXXX XXXX know XXXX have sent me Purchase agreement signed by all parties involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the Equifax data breach settlement and how it is being employed. 
My data was stolen during the Equifax breach. Free credit monitoring is supposed to be provided. 
XXXX On the equifax breach settlement site I choose the extended free credit monitoring option. 
XXXX I received an email saying my free credit monitoring by XXXX, which was part of the settlement would end in 5 days. Leaving me with no free credit monitoring. 
XXXX The settlement call center tells me the case will take months to complete and I am on my own as far as buying credit monitoring, even though my claim was received. 
How can Equifax get away with this? They will now make consumers like me pay them, or another agency, to monitor my credit, after they lost it in the first place? They have hurt millions of people for the rest of their lives by their carelessness. Where is the fairness in that?
Product: Credit reporting or other personal consumer reports

My account with Experianwas never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed.

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!

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

Thecreditbureausarereportinginaccurate/outdated/incompletepersonalinformation.
Product: Payday loan, title loan, or personal loan

I originally opened this line of credit in XX/XX/XXXX. I am making payments on time via automatic payments. XX/XX/XXXX, the original account they had on file is no longer in use. I go online to try and change it. It says to update. Please email us. Ok done. No response. I email again a few weeks later because my due date is coming up still no response. I called their customer service line, and all I get no rep is available to help you right now ; please try again later this has been going on since XX/XX/XXXX. It is now XXXX ; still, no response, but they have the ability to update my credit report as past due! It is not past due. I WANT to pay it, but the company is ignoring me. I have SEVERAL documents showing how I have tried to reach out with no resolution. I want my credit reports updated correctly to show as paid as agreed or to contact me to pay this line of credit off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today upon checking my credit report on XXXX XXXX my score decreased significantly because XXXX   reported that my XXXX  MasterCard increased by {$4000.00} this is completely incorrect my balance did not increase by that amount.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have a goal of getting a XXXX as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Debt collection

To whom it may concern : I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under Metro 2 compliance and FCRA law, which will ensure that youre meeting deadlines while maintaining accuracy! The information in my credit report and below is wrong. It was never proven to be factual, so now I have decided to exercise my consumer rights! I know I'm entitled to accurate and current information about my finances. So, when the misrepresentation of facts is found on my credit report it can and has had serious consequences! This means I need you to fix these problems right away before they get worse! I am exercising my right to be informed of any inaccuracies on my credit report. I request that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report The information above was never compliant with reporting standards, so we don't know what you're talking about. The information you provided is not up-to-date and does not meet the minimum standards for accuracy. I demand that this be fixed immediately, or else legal action will ensue! I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX : XXXX DOB : XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Page 1 of 3 Also, see the image above for AFFIRM INC XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Ive highlighted and circled additional areas of concern. 
Sincerely As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Product: Credit reporting or other personal consumer reports

I have previously sent multiple dispute letters and invested significant time and effort to have these fraudulent accounts removed from my credit report. Yet, your bureau has shown a shocking lack of competence in handling my requests. It appears that my pleas for resolution have fallen on deaf ears, and the very foundation of your organization seems to be built upon incompetence and indifference. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is my right, as a consumer, to have a fair and accurate representation of my credit history. The presence of these fraudulent accounts not only damages my financial reputation but also disrupts my ability to access credit, obtain favorable interest rates, and secure opportunities that should rightfully be available to me. Your failure to address this matter adequately has not only caused me substantial inconvenience but has also undermined the very purpose of credit reporting agencies.
Product: Credit reporting or other personal consumer reports

The company said they did investigation which I know they did not because some of the companies are still reporting incorrect contract dates from when the actual Services started.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Ally Financial said my account was past due, when it was not. I contacted them immediately and Ally said they will fixed the problem. In reality they never fixed the problem. Im not past due on my car note. The account says I am 30 to 60 days late. This has caused my credit score to drop drastically. Please do some thing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE BEEN A MEMEBER OF EXPERIAN FOR 5 YRS RECENTLY THEY WILL NOT LET ME DISPUTE ONLINE AND TOLD ME THEY ARE GOING TO FIX THIS ISSUE ITS BEEN A YEAR NOW
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 XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Credit reporting or other personal consumer reports

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 

Account Number : NAVY FEDERAL CR UNION Account # XXXX Balance : {$0.00} Date OpenedXXXX Account Number : NAVY FEDERAL CR UNION Account # XXXX Balance : {$15000.00} Date XXXX Account Number : XXXX XXXX XXXX Account # XXXX Balance : {$310000.00} Date OpenedXXXX Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$3800.00} Date OpenedXXXX