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

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXXXXXX XXXX
Product: Debt collection

Sending emails, threating to sue and add additional charges resulting in jail time, calling non stop after XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion consumer reporting agency this notice is to inform you that you are unlawfully reporting ( 4 ) unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to grant a third parties access to my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By letting a third party obtain my consumer report on # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the above inquiries were done without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with the above companies.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees apply to my account. These fees were assessed despite having sufficient funds available at the time to transactions were authorized. However, due to delayed posting of charges and credit I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the cfpb, which identified similar practices by Navy Federal Credit union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Bank account or service

I deposited an amount into my checking account to cover my monthly home equity line of credit payment withdrawal on the day it comes out of the account. The payment was bounced back and I received {$100.00} in fees directly related to this. The amount I deposited was only {$380.00} to cover the payment and that is almost a third of that. The realistic amount I should have to pay should be around {$0.00}.
Product: Credit card or prepaid card

XX/XX/XXXX In XX/XX/XXXX, some hack my cell phone and open up an Amazon Account in my name through Synchrony Bank. I was also blocked out of my XXXX account until XX/XX/XXXX. I had to send XXXX copies of my incense to get back into my XXXX account. When I got back into my XXXX account, I saw all these emails from Synchrony Bank about owing money on an Amazon Card. I contacted Amazon the first week in XX/XX/XXXX and told them this was a Fake account. I ask them to close the account. The account at that time was {$1000.00}. Amazon refuse to close the account because they said they could not verify it was me. The hacker used my XXXX and my phone number to open an account. Since then I have change my phone number and closed that XXXX account. I contacted Synchrony Bank Fraud department and explain to a Fraud specialist that I did not open the account. He asked for my address which was not the address on the account. At this time, three weeks in XXXX, the balance was {$3100.00}. I was sent paperwork t fill out which I did. I also included a copy of the police report I filed because the hackers had charge two phones on my XXXX account.I receive a letter today XX/XX/XXXX about a payment not going through on this account which is suppose to be closed. I called the bank and they gave me the run around again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never authorized deferment or have made a payment for any private loans since 2008. On my credit report it says I have from Navient asking for deferment for Private loans. I have Federal Loans that are in deferment through the DTR but never have authorized for private loan deferment.    I have email communication from Navient asking for federal, but never private loans.    I know Navient is uses deceitful tactics to trick borrowers. I have contacted my Attorney General as well.I am part of the Debt Collective and have contacted the XXXX XXXX that are heading up the lawsuits against XXXX XXXX and Navient.These loans are past the statute of limitations for collections from a school that was shut down for fraud.
Product: Debt collection

I received a collection notice in early XXXX XXXX from The Receivable Management Services Corporation ( 'RMS '' ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX alleging an unpaid debt to XXXX for a hotel reservation in XXXX XXXX. I had completely resolved the issue in XXXX XXXX with customer service at both XXXX and my credit card company. After receiving the collection notice I again confirmed with XXXX that my account was in good standing. XXXX stated that they did not utilize third party collection agencies. 
The notice from RMS contained reference numbers that XXXX was able to use to look up my reservation. Somehow RMS has improperly gathered details of my hotel reservation without communication with XXXX. This is a fraud.
Product: Money transfer, virtual currency, or money service

am filing a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E.

Issues Experienced Failure to Prevent Address Fraud Cash App failed to take timely and effective measures to prevent address fraud on its platform, leaving my account vulnerable and unprotected. Despite reporting the issue, their response was unreasonably delayed and inadequate, exacerbating the harm caused. This reflects a failure to provide fair and secure financial services, as required under the CFPA.

Unfair and Deceptive Dispute Resolution Practices Cash Apps dispute resolution process was neither transparent nor in compliance with the requirements under the EFTA and Regulation E. Specifically : They failed to investigate the fraud claim promptly and thoroughly.

They did not provide sufficient communication or updates regarding the status of my dispute.

They ultimately denied my claim without providing clear, evidence-based reasoning, violating 12 CFR 1005.11, which outlines error resolution procedures.

Impact of These Violations These failures caused significant inconvenience, financial loss, and stress. By not safeguarding my account or resolving the dispute fairly, Cash App has undermined my trust in their platform and violated my rights as a consumer under federal law.
Product: Vehicle loan or lease

I am writing to formally dispute the late payment entry on my credit report for my JPMorgan Chase  account, account number This late payment is listed I believe it has been reported in error. 

Under 15 U.S.C. 1666b of the Fair Credit Billing Act ( FCBA ), I have the right to dispute any billing errors, including incorrect late payment charges. This law mandates that creditors must credit payments on the date they are received, thereby preventing erroneous late payment entries. I believe my payment was made on time, and I request a thorough investigation into this matter. 

Additionally, under 15 U.S.C. 1637b, which governs the requirement for creditors to provide timely and accurate billing statements, creditors must ensure that billing practices are fair and transparent. JPMorgan Chase is required to adhere to these guidelines and ensure that all reported information is accurate. If the information they furnished about my account is incorrect, it must be corrected immediately to avoid any further negative impact on my credit.

If you can not verify the accuracy of this late payment, I demand that this entry be removed from my credit report immediately. Failure to properly correct this error may constitute a violation of the Fair Credit Billing Act and related regulations, which protect consumers against inaccurate reporting.

Please provide written confirmation that this late payment entry has been corrected or removed, and send an updated copy of my credit report to the address listed above.

Thank you for your prompt attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Product: Debt collection

This is in response to my previous complaint which was not addressed. 
XXXX Instead, they seek to delay the resolution. Inevitable resolution of dismissing the debt. 

Requesting information provided time and time again on phone calls with Synchrony Bank, detailed in prior complaints to the CFPB. 

We are actively publishing all of these complaints in pursuit of a class action suit. 

Additionally repeated continuous calls throughout the day and week, filling up my Voice mailbox are unacceptable. Until Synchrony fully addresses the problem, they should stop harassing me and remove the debt from all of my credit reports.
Product: Credit card

I closed my account with US Bank its been officially closed since XX/XX/year>. Is what the service agent told me. They have not reported that to any of the credit bureau it still shows as an active account and needs to be removed from my hard inquiries and show the date it was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report XXXX XXXX, Account with no name but the account number XXXX, XXXX  Acct XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Then I see inquiries that I dont know about 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. I have contacted the local police and the FTC.
Product: Mortgage

I have been trying to have my XXXX mortgage company Select Portfolio assist me with having my XXXX mortgage subordinate since XXXX 2015. My XXXX lien holder submitted the paper work on XXXX XXXX, 2015 I spoke with a agent of Select Portfolio who indicated the paperwork was received and would take five days for review. I was informed by a agent of Select Portfolio on XXXX XXXX that my case was closed out because we fell to send them paperwork that was requested. ( Here is the problem ) The same day that Select Portfolio request this information they updated the notes in my file stating what paper work is needed they then close out the request without me or my XXXX lien holder ever receiving the information. I am assigned a case manager XXXX XXXX but as of this writing I have never spoken with her, she has never contacted me and my request to speak to her have been denied. On XXXX XXXX, 2015 after speaking with XXXX XXXX in the ombudsman department she attempted to assist me by having me send all of the requested documents to her directly and she would walk my paperwork over to the supervisor of the subordination department. On XXXX XXXX, 2015 I spoke with XXXX XXXX who informed me all the documentation was received and delivered to the Subornation Team and again it would take them five days to review. I contacted Select Portfolio on XXXX XXXX, 2015 to find out again my request was closed do to paperwork being requested by me. Again I was never contacted by any agent of select portfolio nor was my mortgage company notified. At this point, I have no choice but to believe Select Portfolio has any interest in helping us with the modification of our first mortgage. If this modification is granted we will see a {$500.00} dollar deduction in our first mortgage which will have no adverse effect on my payment obligation with Select Portfolio. However I will not be able to succeed in making this happen because Select Portfilo ( XXXX lien holder ) has to sign off on the agreement in order for this to happen. I am seeking to make a complaint against the company for above matter.
Product: Credit reporting or other personal consumer reports

I wrote a dispute letter and I havent heard anything back from these companies. They put false information on my credit report from XXXX an Transunion. I sent in all my documents an its still on my report. Causing hardenship for me an my kids. Ill send all my information i sent to them providing proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes about my personal information being incorrect on my credit report. There are several names, addresses, phone numbers, employment information and public records that do not belong to me on my credit report. I have disputed the matter several times and I have not received a response. The last letter that I sent in reference to correcting my personal information was dated on XX/XX/2021. I have not received any response and its been over 30 days since my last attempt to have incorrect information removed from my credit report. By law, the credit reporting agency has 30 day to respond.
Product: Debt collection

XXXX XXXX they were told that this account was paid in full to XXXX Bank they called me a XXXX lier and called my work when ask not to call me at all l told them to send all correspondence by Mall. Have recordings of the conversation.
Product: Mortgage

I received mortgage statement, for payment due XX/XX/, and it contains an assessment of {$22.00} indicating I paid a short payment for the XX/XX/XXXX  payment. 
I NEVER received a statement indicating a payment due amount of XXXX. The only statement received, and paid on XX/XX/, was for {$1900.00} and this amount agreed with an earlier letter from Select Portfolio Servicing , Inc. ( SPS ) stating that the payment due for XX/XX/XXXX  would be {$1900.00}. 
It can not possibly be legal or proper for ( SPS ) to retroactively increase the amount due for XX/XX/XXXX   after payment has already been made.
Product: Credit reporting

There was a medical bill placed on my credit. I contacted the insurance company and they paid the bill to the collection agency. I filed a dispute to have it removed from my credit report. The collection agency sent me a notice on XXXX/XXXX/XXXX that this would be deleted from my credit. It has been 60 days and I checked my report and it is still there. I submitted another dispute on XXXX/XXXX/XXXX to Experian ( XXXX ) to have this deleted and offered the paperwork. I was sent a response in & lt ; 24hour by Experian telling me this will remain on my credit up to 7 years. I have also submitted disputes to XXXX for the same cause. The reporting agencies have refused to remove this from my credit report even though the debt was really due to the insurance company and not my failure to pay the bill. The insurance company has satisfied the debt so why am I continuing to be punished. This process has delayed me from obtaining a mortgage credit, whereas I have not had this problem in the most recent past.
Product: Debt collection

On XX/XX/2023 Midwest credit bureau called my husband for something they have in my name, his name is not associated with the account and told him everything about the debt including the date, amount owed and creditor. When I called them back and told the person they couldnt do that she threatened to hang up and garnish my wages
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX
Product: Mortgage

On XX/XX/2015, I was notified from my XXXX mortgage company, that my loan had been sold prior to my XXXX payment due date (XX/XX/2015). However, I had already mailed in my payment to the original lender on XX/XX/XXXX. The original lender sent my payment to the new lender and it delivered via XXXX on Thursday XX/XX/2015 As of XX/XX/2015, the check was not presented to my financial institution for payment and I still have not received notice from the new lender stating they now own my mortgage and/or where to send future payments too. After looking up this new lender I found bad reviews of this company reporting late payments on customer accounts when the payments were provided before or on due date. 
I have not received any feedback from this lender after calling XXXX to get information about a new account number and where to send future payments. When I called I was told the loan was not in their system yet and it will take a day or 2. However I should receive a letter within 15 days of the loan transfer. It has been more than 15 days and I received no notification from the new lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX Balance : {$5100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} These Accounts and Inquiries reporting on my personal credit file with ( XXXX/TransUnion ) credit reporting agency. These Accounts and Inquiries 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 in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Product: Credit card or prepaid card

I have tried since XX/XX/XXXX and XX/XX/XXXX and now trying to get this removed fro my credit
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX