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

In XXXX of 2020, I inquired about an extension on my mortgage with Chase Bank. I sent them an email and said the following, " my hours were cut. Can I have a 30-day extension? Chase enrolled me in a COVID-19 Forbearance Assistance program without me even signing any paperwork. They also added forbearance to my credit bureau status on the mortgage. I never agreed to be on the forbearance program. Now I'm trying to refinance my house, and the new lender needs a letter stating the following : " Provide documentation from JPMCB showing when the mortgage was released from forbearance along with the source of funds used to pay off the forbearance balance ''. I inquired about getting this letter several times, and they still have not been able to give me the correct letter. Since I have not received the letter, it has caused the refinance on my mortgage to be delayed. Chase needs to send me a letter with the information above. I never once asked to be on a COVID-19 Forbearance assistance plan. I simply just asked about a 30-day extension.
Product: Debt collection

Company was asked twice previously to stop calling me at work. Today they called again and spoke and left messages with a sales manager, the president of the company, hr manager and a payroll person ( on her cellphone )
Product: Debt collection

I declare under the penalty of perjury that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by XXXX and XXXX XXXX to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a XXXX XXXX Violations punishable under XXXX XXXX. XXXX. Additionally, those misstatements are punishable as perjury under XXXX XXXX. XXXX. This collection found on my credit report are not related to any transactions that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

I have made numerous attempts to delete items from my credit report that are being reported without my consent I did not give these creditors or these Credit Reporting Agencies permission to disclose any of my personal non-public information. The following accounts are the items I am referring to. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I, XXXX XXXX, am writing to file a complaint against XXXX ( formerly, XXXX ) for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) in relation to the inaccurate reporting of my car loan payments. 

I entered into a written agreement with XXXX for a payment deferment on my car loan. However, despite this agreement, XXXX has reported my loan payments as late to credit reporting agencies, causing damage to my credit score and hindering my ability to utilize the banking system fairly. 

In accordance with the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and ( B ), XXXX is required to report my loan payment history with accuracy and fairness, and to take appropriate steps to resolve any disputes regarding the completeness or accuracy of the information provided. 

Additionally, the FCBA, 15 U.S.C. 1666 ( a ), requires that credit card issuers and other creditors accurately report account information to credit reporting agencies. Furthermore, XXXX is in violation of the FCRA, 15 U.S.C. 1681s-2 ( b ) ( 1 ) & ( 2 ) and FCBA, 15 U.S.C. 1666i, which indicate that upon a written and signed deferment agreement between the lender and borrower, the payment history is supposed to be current without any late payments. 
I respectfully request that the Consumer Financial Protection Bureau take immediate action to correct the inaccuracies on my credit report, and that XXXX be held accountable for their failure to report my loan payments in accordance with the law. Specifically, I request that my credit report be updated to reflect the " current status- never late '' and that any late payment history be deleted from my credit report based on the deferment agreement. 

I look forward to your prompt attention to this matter and I am available to provide any additional information or documentation that may be required. 

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

I am writing to formally express my extreme frustration and disappointment with the consistently inaccurate information being reported on my credit profile by [ XXXX XXXX for the past year. Despite my persistent efforts to rectify these errors in accordance with my rights as a consumer under the Fair Credit Reporting Act ( 15 U.S.C 1681 ), it is disheartening to note that these issues remain unresolved. Over the course of the past several months, I have repeatedly exercised my right to dispute the inaccuracies on my credit report, citing the provisions of 15 U.S.C 1681 as a reminder of your legal obligation to ensure the fairness of the information you disseminate. My disputes on all 5 accounts listed below ( In Addition to, an address I have no knowledge of nor have I lived at the address ), each backed by solid evidence of inaccuracies, have been submitted through certified mail and meticulously documented to ensure a clear and traceable record of communication. Despite my adherence to the prescribed dispute process and the gravity of the matter, I have yet to witness any meaningful action taken by the companies listed to rectify these erroneous entries. It is disconcerting to realize that my diligent efforts to correct these inaccuracies, backed by the law, have been met with indifference. Furthermore, I have discovered that my personal information has been shared without my consent to various third-party entities for financial benefit, a practice that appears to contradict both the principles of privacy and the standards set forth by the Fair Credit Reporting Act. The unauthorized sharing of my sensitive financial data raises serious concerns about my privacy and security, and it is essential that this practice is immediately ceased. I want to emphasize that my intent is not to engage in a confrontational exchange but rather to assert my rights and seek a resolution that upholds the principles of fairness, transparency, and accuracy that the credit reporting system is built upon. In light of the continued inaction and indifference to my plight, I am left with no choice but to escalate this matter. I expect an urgent and comprehensive response to this complaint, to rectify the inaccuracies on my credit report and ensure that my personal information is no longer shared without my explicit consent. Failure to address these concerns adequately will leave me with no alternative but to pursue legal avenues to protect my rights and seek appropriate compensation for the damages caused by these inaccuracies. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a loan with this company. I monitor my scores on all levels with all 3 agencies because there are lots of weird issues that I have and have tried disputing which companies don't seem to care about the law. I went to refinance this loan and they denied me stating I had an Equifax score of XXXX, which I have never had and I kindly said you must have a mistake. I called Equifax 5 mins later requested my report from them, asked if my score was indeed that low and they said no. The company states they use the vantage 3 scoring model which I can see is and was at XXXX that day. I requested to that companies cooperate number and I notified the customer relations department. I was contacted by a member and she said it was shown as XXXX however weirdly enough thats not the score she sees in her system, and not what shown now. she told me to call the branch I had requested the loan again. I was told by Equifax employee my score was not 400+ that there is no way they would show that if they were simply using the information provided by Equifax . The store assured me they dont use any scorring models of their own, simply Equifax information. Equifax told me to have them run my credit again which they did and another inquirie on my report and they have a score again well below my score. Denied for the loan I dispute the score, I requested a copy of the report they used to make the determination which they denied. There own website has a check your credit score tab which also showed my score to be almost 600 and they still would not listen to me or provide me any fair information that shows me how they can deny me with a score that wasnt mine.
Product: Credit card or prepaid card

I am currently trying to clean up my credit report. Unfortunately, I had an account with XXXX XXXX XXXX that went into collections several years ago. I have tried to call XXXX to pay the collection balance that is owed, but they refuse to allow me to do so. They will not take a payment from me. At the same time, they will not take this account off of my credit report or allow it to update that I no longer have an owed balance. By refusing to either remove this item from my credit report, nor take a payment to resolve the debt, they are holding my credit profile hostage.
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 to consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that 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 the seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Us auto sales went out of business and sent my auto loan to another agency which added more money onto the loan which I did not agree upon with the new agency
Product: Credit card or prepaid card

I had a credit card opened up in my name a few months ago without my knowledge. Since BOA is going through the CFPb settlement, please review to see if this was opened up by BOA and Id like customer service compensation as result of having to freeze all my reports.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to request your assistance in resolving a credit dispute that I initiated with the three major credit reporting agenciesXXXX, Experian, and XXXX XX/XX/2024. To date, I have not received a response from any of the agencies despite following up via email. 

The issue involves an incorrect late payment inquiry reflected in my credit report for the month of XX/XX/2024. This late payment was not accurate, as the actual overdue payment occurred in XX/XX/2024. I addressed this matter directly with my bank, and they confirmed the discrepancy. The bank also sent a correction letter to the credit reporting agencies, but no action has been taken, nor have I received any confirmation of resolution. 

I kindly ask for your intervention in this matter to ensure the late payment inquiry for

XXXX  is removed from my credit report, as it is causing undue harm to my credit profile. I have attached the following supporting documents for your review : 1. A copy of the banks correction letter. 2. Proof of m
y dispute submission to the credit bureaus on XX/XX/2024. 
3. Any other relevant correspondence or documentation. 

Please let me know if additional information is required. I trust that the CFPB can assist in ensuring this matter is resolved promptly and fairly. 

Thank you for your time and attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I am dispute inaccuracies on my credit report concerning an account reported by XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) mandates accurate, complete, and verifiable reporting, but this account violates several provisions of the FCRA. Below, I outline the specific issues : 1. Discrepancies in Reporting Comments Across Credit Bureaus : XXXX : Dispute resolved; customer disagrees. 
Experian : Subscriber reports dispute resolved - consumer disagrees. 
XXXX : Consumer disputes after resolution. 
These inconsistent comments suggest that the dispute status was not updated or resolved uniformly. 
2. Late Payment Reporting on a Closed, Paid Account : The account is marked as Closed and has a {$0.00} balance, but there are repeated 30-day late payment marks in the payment history. Late payments should not appear on a closed, paid account if they are inaccurate or unverifiable.

3. Failure to Update or Remove Dispute Comments After Resolution : The comments imply that the dispute was either not properly resolved or updated across all credit bureaus. This can mislead potential creditors.

4. Inconsistent Reporting Dates : The last reported date varies between XXXX ( XX/XX/year> ) and XXXX ( XX/XX/year> ), which creates inconsistency. 
Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit bureaus are required to maintain accurate and consistent reporting. The discrepancies in comments and dates violate this provision.

2. 15 U.S.C. 1681i ( a ) : Failure to Conduct a Proper Investigation : If the dispute was resolved, the credit bureaus and the creditor failed to update the account and remove dispute comments, which is a violation.

3. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate or Misleading Information : The creditor may be reporting unresolved or incorrect dispute information, as well as late payments on a paid, closed account.

4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Late payments reported inaccurately or beyond the permissible time frame violate this section.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings in XX/XX/2021 I reached an agreement with XXXX XXXX XXXX on behalf of XXXX  XXXX XXXX for a {$27000.00} debt. We settled the debt for {$13000.00} which was paid in full on XX/XX/2021. At this time I was working on a refinance and was able to get the account updated through the XXXX XXXX only to have it reverse a month or so later. I have submitted disputes with and without supporting documentation and although XXXX  state they received the funds and it shows as a payment received in XX/XX/2021 the account balance was not updated to {$0.00} & cleared stating it was settled for less than the debt owed. This is the 2nd of two in which I had to wait over 2 months to get cleared up. Attached is supporting documentation of the settlement agreement, proof of payment, cleared payment from my bank, and a letter from XXXX stating the account has been paid in full. In spite of providing these documents to the 3 credit Bureaus they claim XXXX said the information is reported accurately and refuse to provide any proof as to how XXXX  verified the accuracy after sharing with XXXX  my proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is continuing to report fraudulent information on my credit report. I spoke with an agent today by the name of XXXX and he informed me that Experian will continue to report the same information. This information is reported inaccurately its against the law to report information that is not true. 

This is in violation of 18 U.S. Code 1028A-Aggravated identity theft This is an offense : Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

This company is using my information without my consistent and publicly displaying this fraudulent information. 

This account is said to be over XXXX XXXX XXXX and Experian continues to report it, and it is negatively impacting my life. 

They are not completing an investigation only continuing to report fraudulent information and if this continues I will file a suit.
Product: Checking or savings account

I am the executor of the estate of my brother. On Monday, XX/XX/2024 I went to the bank with certified letters of administration and death certificate. I asked them to close the account and give me the money. They said everyone was busy and I should come back another time. 
One of my brothers made an appointment, went to the bank, and gave the bank certified copies of the death certificate and my letters of administration. They refused to release the funds, saying that I must personally come to the bank to identify myself.

I called the banker my brother spoke with. She acknowledged that they had the certified letters and that the bank had agreed they were authentic. I made an appointment to come to the bank and identify myself. She said the process may take 1.5 hours and might not be completed that day. I asked why it would take so long and she said a different person would have to determine whether the documents were authentic and that person might not be available.
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 postings 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 investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/2023, and I sent out a letter regarding false and unknown things on my credit report on XX/XX/2023. Over 60 days later, I have not received a response yet from the bureaus regarding my issue. I feel like I am being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted hastily. If the accounts are not deleted, I will file for litigation due to me being ignored for the past 2 months. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Consumer Loan

I paid for a dealer extended warranty as part of my car purchase in XXXX. The cost was {$2300.00}. It is itemized on both the installment and retail purchase agreements. In XXXX, I received a letter from XXXX XXXX that the dealership had been sold to XXXX XXXX and the extended warranty would NOT be honored without any sort of refund of the {$2300.00} which I was/am paying for at 11+ % interest. 
When I informed my lender, Foursight Capital of this fact in XXXX, it was ignored. I just called again on XXXX to inform/discuss this issue with Foursight. At this point I was told that Foursight did n't care that they, and I, are in effect being stolen from because Foursight already paid the money and its between myself and the dealership. 
I find this response by Foursight to be not only unethical, but also incredibly disrespectful of a consumer using their service because they were the lender chosen by the dealership. I had requested the dealership fund the loan through XXXX XXXX XXXX XXXX where I do business. While I can not prove it, my previous experience as a Underwriter in Manufactured homes tells me that Foursight offered the dealership points in order to fund the loan. I believe this is part of Foursights ' refusal to respond to the " theft '' of {$2300.00} by XXXX XXXX. 
Please find attached the full installment contract ( in XXXX scans to get the whole thing ), receipt for finishing paying DMV for my title transfer ( it is an itemized item for the correct amount on my installment contract and the attached retail contract ), retail auto purchase contract, letter dated in XXXX 2016 from XXXX XXXX announcing its ' purchase by XXXX and revocation of the warranty ( which is an itemized subject on the contracts for {$2300.00} -- not including the interest that has accrued since my purchase in XXXX ), and XXXX statements from my servicer/lender Foursight Capital who refused to do anything about the warranty revocation when I informed them of the revocation telling me that it was n't their problem even though Foursight Capital had paid the funds as part of funding my purchase. 

Thank you and have a good day, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I notified XXXX XXXX Experian that I was victim of identity theft.

The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers.

Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.

Instead, one or more debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax confirmation # XXXX is reporting the following fraudulent inquiries. 

XXXX XXXX XXXX, dated on XXXX XXXX, 2023 XXXX. XXXX XXXX, dated on XXXX XXXX, 2023 XXXX. XXXX XXXX XXXX, dated on XXXX XXXX, 2023 XXXX. XXXX Bank, dated on XXXX XXXX, 2023