23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I erroneously sent a payment of {$3700.00} to an XXXX XXXX credit card account that had no payment balance through a bill pay service provided by my credit union ( XXXX ). After realizing what had happened XX/XX/XXXX, I contacted my credit union and XXXX XXXX. My credit union assured me that they would reverse the payment. I called XXXX the same day that I contacted the credit union and they told me that they had no access to that account because it was a XXXX XXXX and they no longer had access to that account so I needed to contact Citi Visa because they were XXXX 's credit card service. I then called Citibank and they told me that they had no access to that account and to contact XXXX. I called XXXX back and they again told me that they had no access to this account and to call Citibank. I called Citibank again and they told me that they had no access to this account and to call XXXX. Then I called my credit union back and told them that neither company can help me, so the credit union told me they would dispute the transaction and that it could take up to 30 days. 
For the next XXXX weeks I would contact my credit union for updates. It took several days for them to respond. Then on XX/XX/XXXX, my credit union informed me that XXXX would not speak further with bill pay until I authorized it, so bill pay was going to setup a conference call with myself and XXXX. XXXX pay called and we began the conference call at which time XXXX said they had no access to this account and gave us Citibank 's phone number. XXXX did not ask me for any authorization information. The call ended with nothing resolved. After ending the conference call, I called XXXX automated voice system, gave my account number, and it told me that on XX/XX/XXXX a payment of {$3700.00} was posted to the account that XXXX costumer service claims they have to access to. I then called XXXX again and recorded the automated system telling me that I had this credit in the account that they claim they have no access. The next day, bill pay called me again to say that they want to setup another conference call with XXXX. During the second conference call, XXXX asked for verification of my identity, and my email address. XXXX then ended the conference call, at which time the bill pay representative told me that they will send me the information needed by XXXX to refund my money. 
Today is XX/XX/XXXX and XXXX has yet to contact me. Please help!
Product: Debt collection

XXXX XXXX has a track record of unfair debt collection practices. After changing their credit reporting policies in XX/XX/XXXX they have continued to hide under a blanket of deception.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this XXXX I tried logging into my prosper card account account via website. I saw an alert that said I had restricted access. I called their support line and was told by a rep my account was past due XXXX I was shocked, and shared I had no idea and why was my auto pay shut off. He looked and said he didn't know why, I inquired when was the last debit, and what account was on file? The account number wasn't mine. I asked when was auto pay shut off ( since I had it from the inception of the card ), who requested it and how? Again unable to provide answers. I then asked why have I received no notices. None whatsoever, not standard mail, email, text NOTHING. He said, " because I was paperless billing, they were not allowed to contact me. '' That doesn't even sound right as a principle from a business loaning money and trying to get someone to remit owed money. I said I would make a payment over the phone if they would reverse their credit bureau reporting, I was put on hold, and when the rep came back he said his XXXX approved the agreement due to the aforementioned reasons and gave me a confirmation # Reference ID # : XXXX The next day I received an EMAIL trying to cover their tracks saying they are " informing '' me of payments returned from an unpaid account .... 
I thought they couldn't and HAD NOT sent any emails because I was on auto pay paperless billing? Awful being lied to. This is their fault, whose account have they been taking auto pay out of all this time for my credit payments? Who stopped that auto pay from wrong account? There is no history of ANY changes being made by me or anyone else. No changes visible in their account history screen since inception of card nor received an email of any requests being made verified or finalized by me. I have enclosed screenshots showing the account they had versus my account that I have had for XXXX. They didn't even remove the wrong account from my profile. I deleted before preparing this correspondence ( XX/XX/2023 ) because of outrage at their negligence. Clearly no investigation was done at all.
Product: Credit reporting or other personal consumer reports

I LOOKED AT MY REPORT BACK ON XXXX, XXXX XXXX AND NOTICED SOME THINGS ARE INCOMPLETE AND NOT ACCURATE AND ACCORDING TO FAIR CREDIT REPORTING ACT WHENEVER A CONSUMER REPORTING AGENCIES PREPARE A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURE TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT THE REPORT RELATES. 

I SENT A LETTER ASKING THEM TO INVESTIGATE THE ACCOUNTS LISTED BELOW BECAUSE ( XXXX  XXXX ) OPEN DATE IS NOT REPORTING CORRECTLY DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT THIS ACCOUNT IS NOT ACCURATE ( XXXX XXXXXXXX ) OPEN DATE IS NOT REPORTING CORRECTLY DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT THIS ACCOUNT IS NOT ACCURATE ( XXXX XXXXXXXX ) OPEN DATE IS NOT REPORTING CORRECTLY DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT THIS ACCOUNT IS NOT ACCURATE ( XXXX XXXXXXXX ) OPEN DATE IS NOT REPORTING CORRECTLY DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT THIS ACCOUNT IS NOT ACCURATE ( XXXX XXXX ) OPEN DATE IS NOT REPORTING CORRECTLY DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT THIS ACCOUNT IS NOT ACCURATE I GOT THE INVESTIGATION BACK NOTHING WAS MODIFIED OR UPDATED SO I REQUESTED A DESCRIPTION OF THE XXXX INVESTIGATION THEY DO NOT PROVIDE IT TO ME WHICH IS A VIOLATION OF 15 USC 1681i7 they are violated 15 usc 1681i ( 5 ) can you look in to this matter
Product: Mortgage

When I bought my loan thru loanDepot, I was required to pay PMI even though I paid 20 % down payment. I was told after a year I could write a letter and it would be removed. My loan got bought out. XXXX XXXX states I am required to keep PMI. That its 20 % is of the loan, not purchase price of the home according to original note. They say I was misled by loan depot and happens all the time knowing that the mortgage will get sold within the first year! Thus, no accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX  - partial account number ****XXXX-XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I have already called XXXX XXXX XXXX   and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX  however Equifax and XXXX   have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

There is an account on my credit report from " OFFICE OF XXXX XXXX XXXXXXXX '' which does not belong in my credit report and it is reporting totally inaccurate information across all Credit Bureaus. Experian reports that I am 180 days late. XXXX reports that I am 120 days late while XXXX reports that I have no late payments. This is a complete and blatant violation of the FCRA especially considering the fact that federal courts have already issued a ruling on this matter. Here is a summary of said ruling : " Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. 
The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. '' I am demanding that the above mentioned credit bureaus be forced to abide by the FCRA and remove this account from my credit report immediately.
Product: Credit card

I did not make the application for this card no reason for it to be on my credit report please.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my creditreport and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. it's my understanding that the credit bureaus will investigatethis account for me to ensure accuracyhere is the account i am asking you to verify as accurate : name : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : I received a letter of my credit report with the intention are trying to improve my credit and take care of my responsibilities. Noticed a few accounts that I wanted a little more explanation on. The information needs to be 100 % accurate. I also read the Fair Credit Reporting Act where the law states that I have a right as a credit consumer to challenge anything inaccurate. The information needs to be 100 % accurate. The Fair Credit Reporting Act law states that I have a right as a credit consumer to challenge anything inaccurate. 15 U.S.C Sec 1681i ( n ) states that the correct information provided to these accounts must be accurate. if these accounts are, inaccurate or improperly reported, they must be deleted. The credit consumer saw your lawyer and stated that there is a 30-day window to complete this investigation. Please investigate the information on the accounts and remove them if anything is inaccurate or incomplete. 

Account Name & NumbeXXXX 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
Product: Checking or savings account

I received a communication from PAYPAL roughly XXXX of XXXX regarding my account being permanently blocked, which is interesting because I followed and provided all the information they requested for verification to transition to a business account. 
My first consumer transaction with my business account paid via paypal within that same month. This was the first and only PayPal transaction ; after providing the proof of transaction emails and delivery of service email ; they blocked my account and withheld the funds from the transaction to date ( XX/XX/XXXXXXXX  ) without an explanation. When this all happened I immediately contacted customer service and I was promised a call back regarding my concerns and for answers to my question but no one ever called me back. I received an email from them today advising I can now withdraw the funds they held without cause last year. I messaged a customer service rep today and requested to close my account and requested they also move my banking information from the platform. They will not allow me to close the account nor will they remove my banking information. I no longer wish to do business with them and have taken my business elsewhere. Please require them to close my account and remove my banking information from their platform. The last thing I want to hear is that a data breach occurred and they accidentally leaked my personal information. Additionally its very difficult to get a hold of a person in management, they should be required to provide adequate contact information and addresses, the numbers I called that are publicly listed were all out of service. I'm only able to get through to the message center and only speak to low level personnel. you are promised a call back from management but its a farce they don't call back.
Product: Debt collection

I am writing to file a formal complaint against RANDOLPH BROOKS, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
RANDOLPH BROOKS, with contact information at XXXX XXXX XXXX, XXXX XXXX, TX XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations.

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights.

In addition, I believe that RANDOLPH BROOKS has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures.

I kindly request that the CFPB investigate these violations and take appropriate action against RANDOLPH BROOKS to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold RANDOLPH BROOKS accountable for their unlawful conduct.

Enclosed with this letter are copies of relevant documents supporting my complaint. I appreciate your prompt attention to this matter and look forward to a resolution that upholds the laws designed to protect consumers.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX Balance : {$17000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$6900.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$3300.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$2000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$1600.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$1100.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$830.00}
Product: Credit reporting or other personal consumer reports

Theas inquiries on my credit report is don't recognize pleas remove it
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 XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Account # XXXX 15 U.S. Code 1681e ( b ) - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Transunion fail to assure maximum possible accuracy on my credit report. This account is reporting as a paid charge off which is inaccurate. In the United States, federal regulations require creditors to charge off installment loans after 120 days of delinquency. It's impossible for this account to be reporting as a charge off in the month of XXXX, when I was on time previously months before. For this account to be charge off it should be reporting - XXXX, and XXXX and its not. There's no late payment or past due on this account. I attached the paid in full letter, payment history, and my Transunion credit report to this complaint.
Product: Debt collection

I am submitting this complaint because fraudulent accounts have been reported on my credit file with TransUnion, which I have not authorized or opened. These accounts are the result of identity theft, and I have already submitted an identity theft report to the Federal Trade Commission ( FTC ). 

The fraudulent accounts are as follows : 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 XXXXXXXX XXXX XXXX Despite my efforts to resolve this directly with TransUnion, these accounts remain on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 ( a ), credit reporting agencies are required to block and remove fraudulent accounts once a consumer provides appropriate documentation, such as an FTC report .

I am requesting that the CFPB assist in ensuring TransUnion promptly investigates and removes these fraudulent accounts from my credit report, as mandated by federal law. 

Thank you for your assistance.
Product: Mortgage

Since XXXX 2016 when my VA Loan Modification was implemented and Approved First Continental /XXXX has n't updated my XXXX, XXXX and XXXX Credit report .My New VA Mortgage monthly payments of {$1700.00} is not been reported to all XXXX Credit Reporting Agencies .Why? 
I am respectfully making my VA Mortgage payments on time and I like to receive credit and my credit scores to be elevated.
Product: Student loan

Navient has recently charged me a late fee on my account. I submitted a payment for my XX/XX/XXXX on XX/XX/XXXX, however, the payment was declined by Navient as an incorrect routing number was submitted for this payment unbeknownst to me. Email confirmation I received should a valid payment. 

I recieved a late fee due to this and have contacted Navient regarding this. Navient has stated they would not reverse the fees due to the fact that recent late fee was reversed as a courtesy and they could not do this at this time. 

I explained that the late fee I was charged in XXXX was paid in my payment and there was no late fee to reverse charges on. 
Furthermore, I paid the late fee in XXXX without knowledge or notification of what the late fee was for. At that time my XXXX and XXXX statements both showed a late fee for the same amount that had been paid. 
I called Navient to find out 1. ) what was the late fee for and the time period it had transpired. 2. ) how long would these late fees be charged and I could not gather information on when or why this was occurring. I have a previous complaint regarding this matter.

I was told by the CS representative that when a late fee is charged to the account the customer needs to call Navient to have any future bills cleared on the statement or they will continue to show on future billing statements. I was informed that the late fees dated back to XXXX and XXXX. I was not informed of this that I can recollect and have not located information warranting this action taken on Navient 's behalf. 
I have sent Navient a reply email stating that I am formally disputing this new late fee and am awaiting a response. 

Navient 's billiing/financial practices are unethical, damaging to consumers and Navient needs to be held accountable for their lack of ethical business practices.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, was impacted by the " Louisiana DMV Data Breach '' that made World News, impacting all Louisiana residents such as myself. The accounts and inquiries I have listed in this FTC report result from Identity Theft, which I'm a victim of. I have no accounts with the companies listed and would like them removed from reflecting on my current credit report. 

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

I have reached out to Transunion and now I am writing to dispute several items on my credit report that I believe are inaccurate and incomplete.I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report is accurate, fair, and substantiated. It is imperative that the information contained in my credit report adheres to the Metro2 standards, which mandate accuracy and completeness.According to Metro2 guidelines, I expect the investigation to be completed within 30 days of receipt of this. Please inform me of any actions taken and provide an updated copy of my credit report reflecting the necessary corrections. As per the guidelines outlined in the Metro2 Format, I am requesting a thorough investigation into the following inaccurate items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX account is listed as XXXX days late XXXX XXXX XXXX  # XXXX status - dismissed
Product: Vehicle loan or lease

I purchase a use XXXX XXXX XXXX  in XX/XX/XXXX, 4 months later the car was in a accident. I had insurance but it it issue a little late but was active and when the insurance company found out about the auto accident they didn't honor my payment, So i contacted my lender and told them my situation. I did have gap insurance. The lender sent their insurance appraiser to appraise the damage. The car was total with all air bags deploy and unrepairable damage. But their appraiser came back and said we miss the coverage of the gap coverage by {$100.00} dollar and they wont cover cause the damages was more then the car value by XXXX dollars.. So i stop making payments on a car that i could not drive. i ask them to pick the car up then to sell it and i owe the balance. They stated that they didn't want the car. So after the first few month of non payment they stop reporting it on my credit report .. Fast forward 3 & 1/2 yr later they stared reporting miss payments and adding charges.. I do not understand why this car was not charge off. I'm thinking they got paid for the car already with there gap insurance and still trying to collect them selves. this account is 5 & 1/2 years old and they still reporting late payments on my credit report and i never receive statements balance or nothing, how can they do this?