23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : XXXX'I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail.
Product: Credit card

Walmart and Sams cards are charging interest on entire balance even if had a balance of XXXX cents. The balance should be computed on the XXXX cents not the entire {$500.00} that is charging excessive interest. They are calculating the interest to make excessive profits I out over {$65.00} with this process. This needs to stop consumers pay too much interest already b
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate and harmful entry on my credit report under the rights granted to me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The issue pertains to a duplicate account that is reported as two separate negative accounts, which is significantly affecting my credit score.

It is clear that both entries pertain to the same account, yet they are being reported as separate. This misreporting is not only misleading but also in violation of the FCRA, which mandates that credit bureaus must ensure the accuracy and completeness of the information they report ( 15 U.S.C. 1681e ( b ) ). Additionally, such errors may violate provisions of the FDCPA if the duplicate reporting constitutes misleading or unfair debt collection practices.

The duplicate entries are causing an undue negative impact on my credit score, portraying an inaccurate financial profile to creditors. This error needs to be corrected immediately to avoid further harm to my financial standing.

If you review the attached documents you will be able to notice that this account is reporting twice as two separate negative accounts. I have disputed this account as well, around a year ago and my credit monitoring service is reporting it as " account not disputed '' Duplicate Account : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This relates to the consumer credit transaction that was started on XX/XX/2021, and completed by signing an agreement with your financial institution. in accordance with 15 USC 6827 ( 3 ) Any information, regardless of format, is considered a document.

According to 15 USC 6801 ( a ), Financial Institutions must advise Consumers of their information sharing policies and give them the option to refuse certain sharing. 

Without providing me the chance to decline, your institution provided XXXX, XXXX, and XXXX with my nonpublic personal information for the above consumer credit transaction. 


The consumer report will not contain any information shared among people associated by corporate control or related by common ownership, in accordance with 15 USC 1681a ( d ) ( 2 ) ( ii ).

Furthermore, according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ), the consumer must be informed in a clear and conspicuous manner that the company may share other information with individuals who are related to them by common ownership or corporate control, and they must be given the chance to request that the information not be shared with those individuals.

Therefore, your organization has broken numerous federal laws in addition to violating my right to privacy. delete the information from my consumer report that is listed below. 
Account number : Discover Bank charge-offs : XXXX If you grant my request, I won't take this situation to the next level and file a federal complaint.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : According to my bank records, the payment was made before the due date. I have attached payment confirmation and bank statements for your reference. 
Clerical Error in Reporting : There seems to be an inconsistency in the payment date reported versus the actual payment date. My records show no outstanding payments during the reported period. 
Account Closed Before the Reported Late Payment : This account was closed and paid in full prior to the date the late payment was recorded. Documents showing the closure and final balance are attached. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter to the 3 Credit bureaus recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on XXXX XXXX XXXX  account. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. 

XXXX XXXX XXXX  XXXX Late Dates XXXX
Product: Credit card or prepaid card

I was recently informed by the Nebraska child support office that I was issued a relicard and that over XXXX XXXX dollars was deposited to the card. I have attempted serveral times to contact US bank without resolve. They recently sent me a card not in my name also sent me 7 years of blank statements. I have been an victim of fraud by US Bank including recent identity theft for the second time with a new identity afforded me for my protection. US bank will not allow me copies of bank statements fraudulently opened in my name but where my funds where deposited and will not accept a report of never recieving a card
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got a notice from a credit monitoring company that I had a new address on file. I checked my reports and saw that Equifax is reporting an OLD address as my current address however they sent me a letter to my current address asking me to verify my ID and address information. I never changed my address with them nor made any request to so why they would take it upon their own to change my address to an old address is beyond me but now I am concerned bc my credit information is going to someone else which makes my file subject to fraud and ID theft. I have had several complaints with them about erroneous information that they are reporting and now my ADDRESS??? It needs to be corrected ASAP.  They have already proven themselves to be untrustworthy amongst millions of consumers with the 2017 Data Breach so they really don't have a good reputation of reporting accurate information nor protecting it. FIX IT EQUIFAX!!!!
Product: Vehicle loan or lease

American Acceptance Credit , LLC hired repo company who illegally came on my sister 's property and reprocessed my vehicle. My sister 's home is located in a locked gated community, and per Texas state law " Breach of Peace '' was broken when the repo guy made an unauthorized entry to the locked/gated community to repossess the car.
Product: Payday loan, title loan, or personal loan

For the last 60 days Ive tried to contact the XXXX company Grain Technology through their support system that generates a automated email with no response, and by calling their listed phone number online. 

I have not received a response. 

My bank account is showing failure to connect in order to process a payment. 

When I attempt to change the bank account to a different one Im promoted to Contact Us which leads me back to the email support system with no response. 

If I attempt to make a one time payment through their email support system the same problem occurs again. 

This XXXX will inevitably report delinquent information to the credit bureaus and I have no control over stopping it because I can not get in contact with them. 

Please provide assistance.
Product: Credit card

I booked a motel room through XXXX. After I checked into the motel, I discovered the room was not as represented. 

I have detailed the specific complaints in my attachment. 

The room should NOT have been rented due to the deficiencies, and no other acceptable room was offered. I filed a complaint with credit card company, because XXXX and the motel committed FRAUD and misrepresentation. Had the true characteristics of the room been honestly revealed, I would have located a different motel, but it was late when I checked in. XXXX also said no refunds would be granted if a booking was cancelled, for any reason. 

I explained the problems thoroughly and accurately in my communication with credit card company, CItibank. The response from XXXX was non responsive to my complaints. XXXX offered boiler plate, general, statements. I doubt anyone even read my complaints. XXXX is an agent of the motel, regardless of who committed the FRAUD.
Product: Credit card

Hi, My name is XXXX XXXX. My SSN is XXXX. My personal information was compromised & stolen, then used to open several fraudulent accounts ; using My Name, SSN & DOB, along with various fraudulent addresses, while i was XXXX, XXXX  in the XXXX XXXX. PLEASE help. Thank you again!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX ( Opened : XXXX. XXXX, XXXX, XXXX XXXX : {$25000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, 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 have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In violation of : 1 5 U.S.C 1681 section 602 A. States I have the right to privacy. 1 5 U.S.C 1 681 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 information relating to a customer to a credit reporting agency if the person has any reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX  days before the payment due date.
Product: Credit reporting or other personal consumer reports

I'm anxious and stressed about this inquiry in my credit report which I don't recognize, this is not authorized and I did not give consent to this company to access my credit report.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX for {$260.00}. I do not have a contract with National Credit Adjusters, and was not provided the original contract as requested. A request to remove this illegitimate account from my credit report has been submitted several times but the furnishers of information continue to claim this account has been verified without providing proof of investigation and findings. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Product: Debt collection

The CBE Group (XXXX XXXX) contacts me numerous times throughout the day in an attempt to collect a payment that is slightly past due. Approximately every two hours I get a phone call from the same phone number that never leaves a message. The only reason I am aware of who the company is, is because I have made attempts to contact the nunber that calls and hangs up about 5 times a day. I have asked not to be called this frequently as you will get much further by calling once, and leaving a message so I can call back. If I block the number for calling too often they will just call from another number, and use the same repeated tactics. I wish for this company to stop harassing me. Just today I have received three calls already and it is barly XXXX. If thats not bad enough, they have called my parents, and in-laws numerous times even though they have been informed that I can not be reached at those numbers.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, we paid Synchrony Bank CareCredit the full balance, including all accrued interest charges. We verified that there would be no more charges and the amount paid would zero out our account balance with their customer service rep. 

Upon receiving my statement on XX/XX/XXXX from another credit card provider, I notice my XXXX score had plummeted from XXXX to XXXX. I immediately obtained a free XXXX credit report from the FTC site. The only relevant item under " Accounts with Adverse Information '' is CareCredit. They apparently sent a statement the next month charging a {$1.00} statement fee. The account had no balance previously. The only charge was the statement fee. They continued to send monthly statements, including a " minimum interest charge purchases '' of {$2.00}, even though no charges were made. 

I called CareCredit customer service, asked them about their submission. I let my husband discuss the policy with them. They admitted that " If there is no balance, then there will be no paper statement fee charged. '' He asked again and they stated " If there is no balance, there will be no paper statement fee, correct? That's your policy? '' She replied " That is correct ''. 

CareCredit apparently contradicted their own policy in charging fees. They charged {$2.00} interest on what they reported as a {$1.00} balance. They continued to charge nominal fees and reported to at least one credit reporting bureau that I was delinquent on my account, triggering a rapid drop in my credit score.
Product: Credit card

I was charged {$26.00} by a merchant. I did not receive any supporting documentation for this charge. After contacting the merchant and asking for supporting documentation, I was told that the merchant had none. However, the merchant still refused to refund my money. 

I filed a dispute with card issuer, Capital One. They initially credited the amount and asked for more documentation. I filled out the documentation and sent it back. 

Without contacting me, Capital One rebilled the {$26.00}. I contacted them, and they refused to reopen the dispute. Capital One claimed that in order to win the dispute, I needed to provide a receipt from the vendor showing an amount different than {$26.00}. I explained that I received no such receipt from the vendor at all, which was the issue in the first place. The vendor should have to provide documentation for the charge in order to win the dispute. 

Capital One admitted to not conducting an investigation with the merchant or even contacting the merchant at all. They simply applied the charge because I could not prove a negative ( i.e. provide a receipt which did not exist in the first place ). This is in breach of their duty to conduct an investigation of the dispute.
Product: Payday loan, title loan, or personal loan

I had a car loan wit h  XXXX Toyota Financial,  got diagnosed with   XXXX   XXXX    XXXX   XXXX  so asked them to extend the loan for me, prior to extending the loan,  Toyota  took my car like a thief in the night in  XXXX    XXXX  . Car was repossessed without any opportunity to retrieve my stuff of value from the car.  Toyota  sold my car and send me a statement saying I owed nothing,  XXXX  balance, copy attached. Now, I understand that they are taking me to court and have indicated that I owe them {$8000.00} plus on my credit reports. I have tried to get the credit reporting agency to do the necessary adjustment/corrections with no positive response, they have stated that the company verified the information, even after submitting the attached statement.
Product: Checking or savings account

Subject : Complaint Regarding Unauthorized Charges and Unsatisfactory Handling by First Citizens Bank Fraud Department Dear Sir/Madam, I am writing to formally lodge a complaint regarding an unauthorized charge that was debited from my business chequing account, XXXX XXXX XXXX XXXX  XXXX held with First Citizens Bank XXXX The incident in question occurred on XX/XX/2023, when my account was charged {$130.00} by XXXX XXXX membership. This charge was not authorized by me, leading me to take prompt action to rectify the situation. 

I immediately contacted First Citizens Bank 's Fraud Department to report the unauthorized charge and seek assistance. Concurrently, I reached out to XXXX to address the issue. I am pleased to inform you that XXXX promptly responded by refunding the unauthorized charge back to my account, recognizing the irregularity in the transaction.

However, to my dismay, a few months later, First Citizens Bank initiated a chargeback of the refunded {$130.00} from my account. This action left me perplexed and dissatisfied, prompting me to contact XXXX once again. Subsequently, XXXX provided confirmation through an email that the {$130.00} charge was erroneously imposed on another customer 's account and was in no way authorized by me. I have attached a copy of this email for your reference. 

In light of this new evidence, I immediately reported the updated information to First Citizens Bank 's Fraud Department. Regrettably, despite my continued efforts, I have yet to receive a satisfactory response or resolution from their end. This unfortunate situation has persisted for two weeks without any signs of progress. To compound matters, when I contacted the bank, I was informed that my second fraud dispute was declined on the basis that I had already filed a dispute for the same case previously. 

I find this response to be not only disappointing but also unacceptable. I believe that the bank 's handling of this matter has been unprofessional and unsatisfactory, causing undue stress and financial inconvenience on my part. It is disheartening to experience such a lack of responsiveness, especially when my financial well-being is at stake. 

I hereby formally request that First Citizens Bank revisits and reevaluates this case with a fair and unbiased perspective. The evidence I have provided, including the email from XXXX confirming the unauthorized charge, should be sufficient to justify a reconsideration of their initial decision to decline my dispute. I kindly request that the {$130.00} be refunded to my account, as was originally confirmed by XXXX, without any further delay. 

I trust that you will treat this matter with the urgency and seriousness it deserves. I hope for a swift and satisfactory resolution that will restore my confidence in First Citizens Bank 's commitment to its customers. Please acknowledge receipt of this complaint and inform me of the steps being taken to address my concerns. 

Thank you for your prompt attention to this matter. I look forward to a favorable resolution. 

SincerelyXXXX XXXX XXXX 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 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: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX XXXX on my XXXX XXXX credit card was canceled. I received a letter from XXXX verifying the cancellation. XXXX XXXX XXXX were charged to my account on XX/XX/XXXX.