23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I purchased a car and it was financed through US Auto Credit. They wanted payments every two weeks but not on my pay dates. Payments have been made every two weeks then in XX/XX/XXXX I received a call from them saying I missed a payment in XX/XX/XXXX. No mail or email saying that. So I was late more than 6 times paying them which has affected my credit score. I have been searching for that so called missed payment. Then on XX/XX/XXXX they were to take my payment from my checking account. On XX/XX/XXXX they called me saying my bank account was closed and they could no longer take checks from me. I immediately went to my bank and my account was not closed. They are charging me a late fee again and a non-sufficient fund fee when my bank has not. My account was never closed and when I asked what account number they have, the rep, " XXXX '', told me we only have what you gave us. I asked to speak with a supervisor but no one has called me yet. The supervisor s name is XXXX. I was told by XXXX they do n't waive fees, although I did not incur any. She wanted me to make a payment with a debit from the bank she claims my account is closed which makes no sense. Maybe it 's because they charge {$4.00} fee to pay with a credit/debit card, and there is no fee to pay by check. This company has the worse finance company. It does n't help you but hurts your credit and relationships with family. They call my family and friends constantly as well as me. Enough is enough.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the INQUIRIES listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the INQUIRIES below in my file as they fraudulent 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I inquired about whether my credit was good enough for a pre-approval on a mortgage.I emphasized to the lender ; I can not afford a hard pull. However the lender ; under " United One Resources ;. This is showing as an inquiry on XXXX  ; XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried repeatedly to have the XXXX account removed from my Equifax report due to the numerous inaccuracies I have seen across all bureaus with this one account, but the company ignores my request and only updates the information. After they " update '' information, it is still inaccurate. I have asked for the account to be DELETED and I am adamant about this. I am being hindered from being able to progress to the next level in life because of this acct and the inaccurate information that comes back when a creditor runs my report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I checked my credit report and noticed an alert of a delinquent XXXX account with overdue credit charges that had contributed to my credit score dropping by near XXXX points. These overdue credit charges were approximately {$160.00} from a XXXX credit account/credit card which I had NEVER started or had no idea how it came about nor did I recognize it. This fraudulent account was supposedly opened around XX/XX/2024. To clarify, I NEVER personally started a XXXX XXXX account nor got a credit card and bought stuff with it nor did I ever even inquire about one. I reported this to XXXX XXXX as identity theft/fraud and this fraudulent account was frozen and closed and put under investigation. During this process, it was reported to me that the individual who started this account used all of my information except for my current mailing address, the mailing address used was a California mailing address proving the fraudulent act as I live in West Virginia and have my mailing address in West Virginia and have never had an address in California. This is all currently under investigation. After this, I contacted Experian and XXXX to dispute these fraudulent issues on my credit report, and these disputes are currently in process as well.
Product: Debt collection

I saw a collection on all 3 credit bureaus on my report from CONSUMER ADJUSTMENT for {$550.00}. I did not get any type of letter from CONSUMER ADJUSTMENT letting me know that they own the collection I never got any correspondence from them stating that I owed the money or was aware of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). 
My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered the error on my credit report and disputed it through the three credit reporting agencies. However, Experian has refused me to dispute the error through online portal, and the phone representative informed me the items, such as balance error, are not disputable. XXXX XXXX has taken more than 30 days and the dispute is still under investigation. As well as XXXX, not only has taken more than 30 days, but also didnt change anything from the previous dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

I have contacted this company and told them this was not my debt but they will not look up any information all they keep saying is it that there nothing they can do this is an online company I have not received any product from them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX DBA XXXX XXXX auto deducted my XX/XX/XXXX mortgage payment for XXXX on XX/XX/XXXX from my checking account 5 times in error. Then they reversed 4 of the payments. XXXX XXXX I was contacted by XXXX DBA XXXX XXXX by phone asking if I wanted to proceed with a loan modification. I never requested a loan modification. The representative then told me my loan was delinquent. I had not received any correspondence from XXXX DBA XXXX XXXX that my loan was delinquent. I have never missed a payment. I have always paid my mortgage by automatic deduction from my checking account. I immediately contacted XXXX  DBA XXXX XXXX and spoke with XXXX XXXX with Executive resolution. I learned that my loan was switched to paperless statements without my consent. I informed her that I never stopped the automatic deductions from my checking account. I provided her with copies of my bank statements for XXXX through XX/XX/XXXX. She opened an inquiry and discovered that XXXX DBA XXXX XXXX stopped the automatic deductions in error without my consent. It was also discovered that they had not applied the XXXX payment to my account even though they collected it. XXXX XXXX issued a letter XX/XX/XXXX stating that they submitted and update to the credit reporting agencies with instructions to adjust their records and remove the negative credit information. Not only has that NOT been corrected with XXXX, XXXX, Equifax and XXXX but XXXX DBA XXXX XXXX has stopped reporting my mortgage payments completely there is no payment information for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has effected my credit in such a negative way that I am unable to obtain a mortgage on a new house. My husband and I had an excellent credit score prior to this outrageous error by XXXX DBA XXXX XXXX. I have personally contacted all 4 Credit Reporting Agencies and learned that XXXX has done nothing to remedy this situation.
Product: Credit reporting or other personal consumer reports

The company for months claimed I owed them {$5400.00} I kept telling them I did not. Months prior I filed an identity theft report with XXXX XXXX police department in Connecticut, I told XXXX that my information was compromised by someone who claimed to be them. They just kept giving me the runaround This is a conversation between myself and a supervisor wherein they admit to filing fake inaccurate credit reports, I maintained my calm but this thing had been going on for some time and they continued to make errors and promises to correct them but did not. 

XXXX video of Conversation between myself and XXXX XXXX supervisor : XXXX XXXX XXXX I sent the documents required to have the false reports removed from my credit file, but months have passed and nothing has been done.
Product: Debt collection

XXXX  a t NCR ( National Check Resolutions ) contacted me at my place of employment. I have never been in contact with her before today. Called our Corporate  headquarters and we can not receive any inbound calls that are not related to our business. The call was transferred to me. Her contact number is  XXXX  ext  XXXX
Product: Prepaid card

this is a follow-up to complaint XXXX they replied that I was free to use the gift card I had purchased, but the gift cards are NOT working as they were physically altered probably by a fraudster. 

I need replacement cards to be shipped to my address for all of the gift cards for tickets : XXXX XXXX XXXX XXXX
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 the bank not posting 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 and investigation into my account transactions. 

One of the most recent insufficient funds that happened was in XX/XX/year>. At the time I want to say my account showed I had about {$900.00} and when I renewed my car registration I paid about {$500.00}. Everything looked good, received confirmation and I received my tags a few days later and about three weeks after I received a letter from DMV saying that due to insufficient funds my registration was revoked and I had to pay almost double that original amount to reinstate my tags.
Product: Mortgage

My name is XXXX XXXX. I am Veteran of the XXXX XXXX XXXX XXXX. We are selling our home in XXXXXXXX XXXX Our buyers have received a clear to close XXXX XXXX assumption approval as of XX/XX/year>. Please see attached approval from Flagstar Bank. On XX/XX/year> we were told that the assumption could not be closed because Flagstar bank ( our bank ) is selling our loan and the mortgage servicing department to XXXX XXXX. We were not notified of this until two days before we were scheduled to close. The transfer of the loan to XXXX XXXX is scheduled for XX/XX/year>. We are devastated, as this will be a huge financial burden to us. We are being told that the whole process will have to start all over again, even though the buyers have been approved and we are ready to close. This is a disservice to all parties involved. This will also be a burden to XXXX XXXX, as they will now have to process the assumption all over again, if our deal does not fall through. This will have a huge impact to our family if pushed back another XXXX months, if not sold all together. We are selling our house because we can no longer afford it. This has to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ Inquiry Hard Pull not authorized. 
Hard pull on credit report for credit by : SYNCB/SYNCHRONY XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX ) XXXX Location XXXX XXXX XXXX XXXX, FL XXXX
Product: Mortgage

On XX/XX/XXXX I submitted an application with Navy Federal Credit Union. I have been experiencing set backs, one after the other getting this application finalized. They have received all the information asked for. I have paid for the appraisalout of pocket as well. I was approved, agreed to loan terms and the terms were changed and it expired because they took over 3 weeks to schedule the appraisal. I filed complaint and they agreed to honor the interest rate that was first agreed upon. They have since been taking extremely long in providing a closing date. By their own admission on the website, the loan process takes normally 30-45 days. It has now been over 113 days. I have had 4 closing dates pushed back and I am still waiting on a close date. I was told that we would close on XX/XX/XXXX instead they called me on this date and requested a 3-way phone conversation with my credit card company to verify I have a XXXX balance and no delinquent payments. They informed me if I didnt comply with the call my loan would be terminated. The information was verified during the call. I had already submitted this same information by paper early in the application process. I would a full investigation into this situation as I feel I am being unfairly treated.
Product: Credit reporting or other personal consumer reports

I requested information by letter and they failed to respond. its been over a month : ACCOUNT # XXXX COULD YOU PLEASE PROVIDE WRITTEN INFORMATION REQUESTED : Date of last payment Date of first delinquency Date o charge o They have not responded to me.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 card

Dear CFPB, I am reporting an issue regarding the Lowes credit card ( Synchrony Bank ). Every time I log into my online account, the following error message appears : Our system is experiencing technical difficulties at the moment. Please try again later.

Ive tried calling and messaging their customer service, and the only way to bypass this error is to reset my password. Sometimes the password reset feature does not work, and I have to wait multiple days for the feature to work again. Having to reset my password each time I need to log into my account is not only a significant hassle but also prevents me from being able to see transactions and pay for them in a timely manner. 

Ive asked Synchrony Bank to resolve this issue multiple times and they refuse to solve this issue. Can you please provide your support?
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XX/XX/XXXX, 2022-Received bank statement from Truist for an account I did not open. 

Contacted Truist fraud the following XXXXTalked to XXXX? XXXX? at Security and Claims and he stated he would do a fraud report and freeze account. 

Filed multiple reports with local police, FTC, etc. 

Received a response from XXXX XXXX in response to CFPB complaint. 

I have continued to receive statements and overdrawn balances which should not occur if an account is frozen/closed!!! 

Today, XX/XX/2022, Truist sent a letter stating they have closed the account and I owe them {$58.00} which includes a {$30.00} charge off fee. I have asked them repeatedly to close this account and they let it rack up another overdrawn charge the following month. 

I would like to make a complaint against Truist for collection tactics. This account " has now been sent to our department for collection. '' Called Fraud at Truist again today and XXXX??? stated that no fraud report had ever been filled out. She gave me a claim number today and said an investigation would take place. This company is shady and needs to be investigated. I couldn't even get in contact with anyone at their number listed online as it didn't recognize the account number. XXXX also said that even while it was being investigated, I would continue to receive letters asking for payment. How is this legal??? I never opened an account. They have no customer service help available. They aren't filing reports they state they are. Then they continue to harass people who aren't even customers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX To Whom It May Concern : I recently received a copy of my Experian, XXXX, or XXXX credit report, and I noticed some closed collection accounts posted on my credit report : XXXXXXXX  XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX acct # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards,