23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

In XXXX of this year we started getting calls from Vectra Bank stating we were behind on our payments for our personal line of credit. We also started getting notice from XXXX  XXXX  that they had posted past due payments on our credit report. We were confused because our payment is Auto Drafted and we set it up to be the required payment by Vectra, and it's been that payment from the inception of the line of credit. We have not missed one of those payments. The " collectors '' noticed that and were confused so they researched it further as well. We called the local office and they didn't know either. They finally got back to us and apprently what happened is that Vectra REFINACED the line of credit WITHOUT our consent and it doubled our payment. We absoluetly can not afford to pay double that payment and now we have over 400 in late fees and our credit score has gone way down. How is this even legal to completely change the terms of a loan that we have had for over 5 years without our consent or even giving us a phone call. I was in the local branch a couple months before they did it so why did they not talk to me then? We live in a small town, they have our cell phone numbers, one of the women that is the lead teller has known my family since we were children. This makes no sense. I want to see the documents with my and my husbands signatures on them that makes this ok.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information associated with my accounts. Upon reviewing my credit report, I have identified discrepancies that require immediate attention. It appears that there are inaccuracies concerning the status of my accounts, particularly regarding bank error and sending statement to the wrong address. I kindly request that you update my account information to accurately reflect that the account has never been delinquent and is closed with a positive payment history. Recognizing the importance of maintaining accurate credit information, I trust that you will promptly take the necessary steps to address this matter. 


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

The company is reporting a charge off XXXX XXXX XXXX unionbi just relieved from Equifax they saying its accurate when its not the charge off is reporting as income when it is illegal the XXXX  AND CFPB states that charge off are certificate of indebtness and also XXXX is violating my rights as reporting finances when finances are not to be reported and it should be removed immediately also violating my rights as too the inaccurate reporting causing stress and hardship continuously and also violates FCRA 1681 ( a ) and other federal regulated rules and laws CHARGE OFF ARE CONS8DERED CERTIFICATE OF INDEBTNESS AND THEREFORE ITS PUBLICATION 4681 thie erroneous Companies has violated the myself with that inaccurate Credit reporting also violates the FCRA AND PRIVACY ACT 1974 CHARGE OFF SHOULD NOT BE REPORTED ON CONSUMER RE P ORT AS MANDATED BY FEDERAL GOVERNMENT the company is XXXX XXXX XXXX federal and states laws
Product: Credit reporting, credit repair services, or other personal consumer reports

re : XXXX XXXX XXXX Experian CR. 

In XX/XX/XXXX, I requested Experian remove a FIVE year Old public record for a WITHDRAWN/DISMISSED Due to Error Bankruptcy filing done by mistake due to Error AFTER THE XXXX XXXX XXXX XXXX agreed with all CRAs, including Experian, to remove ALL public records that did NOT have all FOUR data points attached to them. 

The other CRAs ( XXXX, XXXX, XXXX, XXXX ) ALL removed the item : XX/XX/XXXX Ch.XXXX filing case # XXXX filed XX/XX/XXXX. 

XXXX XXXX XXXX XXXX. ( XXXX ) reports that as of XX/XX/XXXX, all CRAs agreed to no longer maintain public records without ; 1. all four Data Points : correct name, address, SSN, Date of Birth.

2. that are published victims of ID Theft. ( this BK is ID Theft victim ) 3. That are over FIVE years old 4. That have been dismissed/withdrawn due to ERROR. 
5. CRAs must update all public records every 90 days. not done.

6. in XX/XX/XXXX Experian wrote to CFPB complaint # XXXX that Data Furnisher agreed to vacate this Public Record,  but, Experian failed to update this file. 
7. Maintaining ID theft Victims dismissed BK public record is FCRA & ID theft law violation against Experian. All other CRAs removed it!

8. FCRA prohibits publication of records " filed in Error '' like BK case 9. All dismissed legal actions filed in Error are to be updated and removed from Public Record BY CRAs every 90 days!!!! 
10. Experian has pled guilty in many related court actions to violating the FCRA & XXXX regulations for these 9 reasons and should not be repeatedly violating the law!

MY BK filing was withdrawn by the BK Judge a week after the filing due to ERROR. IT is in the case file at BK court in  XXXX NY and it was sent to XXXX XXXX, analyst for Experian, but, she ignored it. 
My BK public record DOES NOT have my correct address since I was evicted XX/XX/XXXX from my home due to this ID theft action by the the bank. MY SSN and my Date of Birth are not on the court order either.
Product: Credit card or prepaid card

Late XX/XX/XXXX, my balance went over the credit limit. I specifically checked on the account page that I never wanted to be overdrafted so do not approve any purchases that overdraft my account. They did it any way, which is causing me score drop on credit report, as well as paying more interest due to having a higher balance. I spoke with customer service and she validated that she could see where I checked for no overdraft. Said I would have to file a dispute. It was their fault. It was capital one and now Im overdrawn XXXX. Although it was their mistake they wont do anything about 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXXXX/XX/year> 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 card

I had a syncrony bank account for a few years. Not a single missed payment, always in autopay. I changed banks recently and because of always having it on autopay I had to change it. But the syncrony account log in is very bad to use. So it always comes up with " experiencing tecnical issues ''. 

My email from the account is a very old one and recently got full until I were to pay for more space or change it. Since it was full and syncrony page doesn't work correctly, no way to change. 

I think syncrony also had my old address ( it's a XXXX year old account ), so it took me a while to get access. 

I just got suprised with the account closed with 0 time to respond and no way to get it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate accounts on my credit with XXXX, XXXX XXXX and Equifax and they keep coming back verified
Product: Mortgage

My mortgage with GreenTree Servicing LLC was {$620.00} for a year when it was modified and transferred from XXXX XXXX XXXX. XXXX XXXX, XXXX, I received an Escrow Account Disclosure Statement stating my mortgage will increase to {$680.00} for the following year. Then I received another Escrow Account Disclosure Statement XX/XX/XXXX stating my mortgage will increase to {$830.00} for the new year. The explanation I was given for these increases were there was a delinquency or deficiency escrow balance of {$6000.00} or more from my previous servicer- XXXX. I therefore requested, in writing on XX/XX/XXXX, that Greetree Servicing provide me with evidence of this delinquency or deficiency escrow balance from my previous servicer- XXXX. I have received several form letters from Greetree Servicing saying they are working on it with delivery dates of resolution that have not been kept. This will be my XXXX month paying the {$830.00} mortgage payment with no evidence to support the delinquency or deficiency escrow balance from my previous servicer- XXXX. 
Furthermore, my mortgage is HAMP loan and I have been with Greetree Servicing for a year. According to my HAMP loan agreement I am supposed to receive an incentive payment of {$1000.00} to my principle balance once a year after the anniversary date. I wrote a letter on asking for a written explanation of why I have not receive this incentive payment according to the Actuarial Payment History Greetree Servicing sent me on XX/XX/XXXX. I made my inquiry in writing on XX/XX/XXXX. I have not received an answer for either of these concerns as of yet.
Product: Debt collection

Bank of America is holding me liable for a credit card debt from XXXX or XXXX. I have contacted this company and provided several documents to show that I never received a card to my residence which I have been residing almost 20 years nor did I apply, had no knowledge. I had never seen the application until filing a complaint. I have proven that a card was n't sent to my address. I have provided my signature as it does not match the one on their application. I stated about having a fraud alert on my credit report and indicated they did not contact me before granting credit. They claim they did @ at a number that I have never had. Then they claim something in reference to a XXXX account. I have attached the letter from XXXX financial indicating that the account did not belong to me. I sent this information to XXXX XXXX XXXX via email and called but did not receive a response. I should not have to turn to legal representation but I refuse to be liable for a debt in which I am not responsible for. I called and gave this company, Bank of America my address in which they never had. Bank America also submitted this debt to IRS as a charge off and they are charging me for a debt in which I never had any affiliation with. They also indicated about payments, I never paid this company nor authorizrd any payments.I have no reason to continuously go through this back and forth if I were n't being honest. I will suggest to Bank of America 's corporate office, they should obtain the party that is applying identification so they will have this on file as a more positive id of who is applying. This situation is stressful and ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX XXXX  Acount number XXXX Date Opened XX/XX/ Account Name XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX  Account Name : XXXX XXXX XXXX  Account number XXXX Date opened : XX/XX/ All are in violation of my rights According to : 15 USC 1681a ( 2 ) ( 1 ) under exclusions.

Rights to privacy Fair credit reporting Act protects information collected by consumer report agencies such as credit bureaus, medical information companies and tenant screening services.

and 15 USC 1681 s2 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reason to believe that information is inaccurate.

I have been in touch with all three credit card companies and they have all agreed to remove the late payments.

I have tried over and over to get document from each regarding the removal of the late payments with no success.
Product: Vehicle loan or lease

My auto loan was transferred to Westlake Financial. The initial conversation I had with them was fairly pleasant. Before I was transferred I was due for my XXXX payment. Which is due on the XXXX of each month. The month of XXXX was tough for me. I called in on XX/XX/18 and made my XXXX payment. The representative I spoke to was very nice and helpful. She advised me that my XXXX Payment was due, which I was aware. My XXXX Payment was due XX/XX/18. The representative and I discussed a way for me to get caught up, which was extending the XXXX payment to the end of the loan and that way my next payment would be due n XX/XX/18. I thought that was helpful and agreed. She then advised me that I would have to call on XX/XX/XXXX to request the deferment. I stated ok, I will call then. Then on XX/XX/2018 I received a call from Westlake Financial on my cell phone at XXXX, XXXX XXXX and XXXX. Then on my work phone at XXXX XXXX. I was confused as to why they were calling so on my lunch break, I called them. The first representative I talk to stated my account was delinquent and that why I received calls. I told her I was not then she explained that I would get call if I'm 1 day late. I thought this was absolutely ridiculous. I was technically 14 hours delinquent and they had already called me 4 times including my work phone about an account that is 14 hrs. past due. So I then stated well I already had spoken to a representative yesterday, XX/XX/18, explained what was going on, made a payment and agreed to call back on XX/XX/XXXX to request the extension. The representative told me that was not an agreement and I would still get collections call. I stated why would ya 'll call me, if you see in the notes that I am going to call on a certain date. That seems like a waste of my time and yours to keep calling. Then to call my multiple times like my account is months past due. I was upset at this point. I requested a supervisor. The supervisor then told me that I did not have an agreement that is a verbal agreement. He saw the notes of what was going to take place but said that did not mean anything until the deferment took place. I was upset. the only thing he could say was you can request for your number to be removed from the dialer. So I agreed. I think this is a violation of CFPB. The called my 4 times before XXXX for the account to only be 14 hrs. past due. Also when I spoke with the first representative she did not advise me that I would continue to get collections calls. Also, they do not add a late fee on the account until the account is 10 days past due. So I should not be receiving calls anyway. I think this is unfair treatment and harassment to call someone that many times in that short of time frame.
Product: Money transfer, virtual currency, or money service

I am filing an complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I kindly asking you to pay attention to a serious situation that happened with me. I suddenly noticed fake accounts in my credit report. I do not know why I have them but I believe I am a victim of identity theft. My personal information was used and that's how I have these accounts. Or maybe its just error in reporting but I am begging you to delete these fraud accounts because I am at the very important stage in my life and I need to do financial planning. Thank you, and appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have recently changed my phone number to protect against any potential identity fraud that may have occurred last year, but Experian does not provide any way to speak to a representative in order to update account information to regain access to view credit report and dispute information. They do not provide any way to update personal information to have the most accurate up to date information to gain access to credit report and dispute information.
Product: Mortgage

Onity Group Inc. is reporting a derogatory account to the Credit Reporting Agencies ( XXXX and XXXX ) without my knowledge of any relationship with their company.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5, they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate. The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry dated XXXX XXXX, 2016 is reporting on my credit report. I did not authorize anyone employed by Springleaf Financial Service to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the company and I 've never received a response or proper resolution
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 transaction was 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: Student loan

Since XXXX, the Department of Education ( " DEPT of ED '' ) has been reporting my personal information to XXXX, XXXX, and XXXX in violation of 15 USC 6802, FERPA, UDAAP, and the 1974 Privacy Act. Since learning about these violations of my federally protected rights, I have made numerous complaints to XXXX, XXXX, and XXXX, as well as, to the different servicers of my federal loans such as XXXX XXXX, Navient, and XXXX. To date, the DEPT of ED, XXXX, Navient, XXXX XXXX, XXXX, XXXX, and XXXX STILL CONTINUE TO REPORT MY PERSONAL INFORMATION IN VIOLATION OF MY FEDERALLY PROTECTED RIGHTS. DEPT of ED FAILED to provide me with any of the disclosures that allow for me to opt-out of any/all reporting of my personal information nor were they supposed to disclose my information without my permission per FERPA and the 1974 Privacy Act. DEPT of ED, XXXX, Navient, XXXX XXXX, XXXX, XXXX, and XXXX continue to willfully, negligently, and recklessly report my personal information, and transaction experiences on my consumer credit report AND credit file. DEPT of ED, XXXX, Navient, XXXX XXXX, XXXX, XXXX, and XXXX failed to act to protect my personal information as required by 15 USC 6802, FERPA, UDAAP, and the 1974 Privacy Act.
Product: Credit reporting or other personal consumer reports

Ive been in communications with ( TransUnion, XXXX or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( TransUnion, XXXX or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only name is XXXX XXXX My only address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX My only date of birth is XX/XX/XXXX My only employer is XXXX XXXX XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank You XXXX XXXX
Product: Credit card

I opened a credit card with security deposit that can be refunded after XXXX XXXX of usage. After been told that my security deposit can be refunded and will be sent out via a check, its been over XXXX XXXX and I never received it. I have called in multiple times and it is never resolved.