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

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. XXXX XXXX XXXX XXXX XXXX  XXXX {$2900.00} .is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX  XXXX {$2900.00} the financial institution and the Consumer reporting agencies XXXX Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX Equifax, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX {$2900.00} whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX XXXX XXXX  XXXX {$2900.00} Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting, credit repair services, or other personal consumer reports

they are reporting a fraudulent account that doesn't belong to me on my credit file. XXXX XXXX XXXX confirmed this and i sent them as well as them documentation to remove this negative and incorrect account from my credit files. it was removed from some but not all of them i see now. XXXX  XXXX XXXX account is not mine and should be fully removed.
Product: Vehicle loan or lease

Received an extension from Chrysler Capital do to COVID 19, yet they went ahead and reported the 30days late to all three bureaus, which they acknowledge that it was their error yet they refuse to contact the bureaus to correct the error which could possibly impact my loan that I'm wait to receive.
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 Credit Union for similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

ear Federal Trade Commission, I am writing to lodge a formal complaint against American Express regarding my application for the Blue Cash Everyday card in the summer of 2022. Despite my cancellation request, I was shocked to find that my credit report had been negatively affected by the balance shown on my American Express account, which I never used as I never received the card. 

I have attempted to resolve this matter with American Express, but to no avail. I initially contacted their customer service team, and I was informed that an investigation was underway. However, it has now been over 4 months, and I have not received any updates on the status of this investigation. This delay has caused me undue stress and financial hardship. 

I urge you to investigate this matter thoroughly and take appropriate action against American Express for their negligence in handling my account. I believe that American Express has violated consumer protection laws and regulations by allowing a balance to accrue on an account for a card that was never received and canceled. 

I request that you hold American Express accountable for their actions and provide me with compensation for the damage caused to my credit rating and the inconvenience and stress that this situation has caused me. 

I look forward to hearing from you soon with a resolution to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$3100.00}
Product: Debt collection

I have reviewed my consumer credit report and I noticed some unauthorized accounts under 15 USC 1681 number 3. Experian assumed this role without permission not only that you did not have my consent. Experian did not respect my privacy pursuant to 15 USC 1681 a number 4. Experian did not exercise its grave responsibility, the company was unfair, and partial. The company never had a permissible purpose pursuant to 15 USC 1681 b number 2. I never instructed or gave any consent for the to be reporting in the first place. What I am demanding now is that you all delete the accounts off of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out information regarding inaccurate items listed on my report to follow up a complaint that was made about 30 days ago and to my knowledge hadnt been addressed, this wasted time that the company is stalling and is hurting my life as well as destroying my credibility for credit i want these negative items removed from my credit report. Below are the letters I sent explaining that the accounts listed did not come from me as well as the documents that was removed that did not pertain to me on my report.
Product: Credit reporting or other personal consumer reports

No response XXXX keeps reporting after account is closed
Product: Mortgage

Long story short : I have had payments rejected by Ditech for three months now due to their error. I have called each month to correct the situation only to have another argument about the payments not getting applied as scheduled. Late fees assessed when they state they will waive them only to have them tell me, " I have no record of that conversation ''. ( This conversation took place in XXXX 2016 ). It has been three months now that late fees assessed and scheduled payments not applied as they were confirmed to be due to an error made in XXXX 2016 by Ditech. I now have to write a written letter with documentation of the problems for the last three months to XXXXXXXXXXXX. I guess they have no phone number or address, at least that is what I am being told.. I am unable to speak to a manager and when given his name and extension, only to be able to leave a message on voicemail, with no return phone. I also need to call the credit bureaus if and when this issue gets resolved to clear my name on any late payments reported to them because of this. This is a nightmare dealing with Ditech. My account online is locked and I am afraid to schedule autopay until this mess is cleared up for fear my payments will continue to reject. Documentation can be submitted if requested. All calls have been recorded each month according to Ditech.
Product: Checking or savings account

In felony criminal retaliation for me filing a CFPB complaint with the intent to criminally obstruct a CFPB investigation, Chase froze a XXXX transaction to a lawful and legitimate bank account registered with XXXX with no legitimate explanation aside from attempting to intimidate me for filing a complaint with the CFPB
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Experian Consumer Dispute Center po box XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXX XXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as one with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any 1099C. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( XXXX, Experian, XXXX ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( XXXX, Experian, XXXX ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX UCC 1-308 ALL RIGHTS RESERVED
Product: Credit card or prepaid card

On XX/XX/XXXX, my fiance and I booked two roundtrip tickets XXXX on XXXX for XX/XX/XXXX through XX/XX/XXXX via Chase Ultimate Rewards Travel Portal totalling {$970.00} but paid with XXXX points. On XX/XX/XXXX, the airline unilaterally cancelled our flights and issued travel credits. After unsuccessful attempts requesting refunds from both parties, I submitted a DOT complaint on XX/XX/XXXX and both Chase and XXXX continue to deny our repeated requests despite the DOT regulations. Chase deflects to XXXX saying they are following the airline 's ( unlawful ) policy and XXXX deflects to Chase saying I must work with the travel agency regarding this booking. 

On a recent call with Chase Travel on XX/XX/XXXX, the representative stated that a supervisor will be reaching out to the airline directly to request a refund and that I would hear back via email. The following day, we received an email response from Chase detailing the conditions of use for the travel credit and nothing about the refund request. 
Due to the tickets having been purchased using points, I am unable to file a chargeback and am at the mercy of the OTA Chase Travel representing me against the airline. 

Lastly, on that same call with Chase Travel on XX/XX/XXXX, the representative revealed that XXXX and Chase are refunding customers on request for tickets booked after XX/XX/XXXX but consumers who booked earlier, even before major COVID disruptions began are left with only vouchers.
Product: Checking or savings account

This is our problem : I accidentally overpaid my XXXX XXXX XXXX bill through my Citibank online banking service on XX/XX/XXXX. Instead of paying the XXXX XXXX XXXX bill which was {$200.00}, I paid them {$1700.00} which was to go to my XXXX XXXX XXXX Visa bill. My mistake. I called XXXX XXXX XXXX about this problem in XXXX, and they told me they would reverse the amount of {$1300.00} ( {$1700.00} minus {$200.00} ) back to us through the Citibank bill pay. That was supposedly done on XX/XX/XXXX. It never showed up. At that time we thought it was the fault of XXXX XXXX XXXX. After many phone calls and letters, XXXX XXXX XXXX created two investigations on their end. We also conferenced call with Citibank agents and XXXX XXXX XXXX agents to prove it to XXXX XXXX XXXX that the reversal had never been received. Finally, after speaking to XXXX XXXX XXXX XXXX Payment Research Team and following their investigation of the problem, they believe ( XXXX XXXX XXXX ) and I believe that the problem was on the Citibank end. At that point in time, we wrote and sent a letter to Citibank detailing the problem and suggestions that XXXX XXXX XXXX had. That was sent and received XX/XX/XXXX by registered mail. We waited and heard nothing back. We sent a second letter by registered mail that was received XX/XX/XXXX and to this day have never heard back. We have been with Citibank since the XXXX 's and thought that at least someone would reach out to us. We hope someone can help us resolve this problem.
Product: Mortgage

I missed XXXX payment on a mortgage I had been paying on time for XXXX years. When paying my next payment it was applied to the previous month, no notification either time as if they were waiting to set me up to foreclose on the property. Only found out by accident when calling another lender to refinance, to this day Chase has yet to notify me or take any blame for any wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is the only bureau reporting several accounts inaccurately and they are in violation of the Bankruptcy Stay ... 
-- - They are reporting 13 accounts for - US Dept of Ed - every month and reporting Lates as recent as XX/XX/XXXX!!! These accounts were included in my bankruptcy which was discharged and these old accounts should not be updating after a discharged bankruptcy. The other bureaus are not reporting like this, they stopped in XXXX like they were supposed to when they got the notice of Filing on my bankruptcy.
Product: Checking or savings account

I had fraud in my account and the problem never got resolved. I am unable to open more bank accounts because of this.
Product: Credit reporting or other personal consumer reports

Please update my account and remove the inaccurate late payment. 
I always pay on time and never missed a payment. 
I'm begging you please update my account.
Product: Debt collection

On XX/XX/year>, I recieved a phone call from portfolio recovery associates, they stated I owed a balance of $ XXXX they wanted me to make an agreement to pay. When told I never received the information I requested, I was told it will be noted and I discontinued the conversation.
Product: Credit reporting or other personal consumer reports

This is my4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX US PROBATION OFFICE Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXXXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX : {$1100.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX 2017 the debt management service I had my account with XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX ) changed companies to GreenPath during that time I did not receive a statement for XXXX or XXXX from the new company GreenPath. Because of me not receiving a statement ( reminder ) I did not make a deposit. the previous company did a great job in sending me statements, return envelopes and statements where the monies were spent. GreenPath did none of those things Their accounting does not add up to the proper amounts. As soon as I found out about the issues I sent deposits to GreenPath.
When I received a statement on where the monies were spent XXXX of the creditors were not paid and are threatening to charge off the accounts. GreenPath 's excuse was they are paying priority accounts instead of paying each creditor as previously determined by XXXX.
GreenPath has not dispersed all of the deposit monies deposited and have continued not to pay all the creditors as did the previous company. XXXX creditors are still not paid yet there should be sufficient funds to pay all creditors as previous company had done. The XXXX creditors are XXXX XXXX and XXXX XXXX. XXXX XXXX has told me they have not received a payment since XXXX but I have a statement dated XXXX XXXX, 2017 from GreenPath stating XXXX XXXX is being paid {$110.00} My deposit amount each month is {$560.00} but GreenPath has only been dispersing {$450.00} so there should be a balance deposit of {$110.00} minus fees of {$35.00}. When I have called and tried to get them to pay the creditors not paid I have been told I have a balance of {$5.00}.
This issue has been on going since XXXX I need help to get my credit management back in good standing.
Everything was good until GreenPath took over the account.
Please help.
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been forcing me to make double payments on my mortgage. If I dont make the double payments they ding my credit report. I have spent months working with their executive team members and through Experian without resolution. 

Mortgage initiated XXXX XXXX  Monthly payment due {$2400.00} Total owed from XXXX - XXXX is {$14000.00} Payments that have been made : XX/XX/XXXX {$5200.00} XX/XX/XXXX {$5200.00} XX/XX/XXXX {$5200.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} TOTAL PAID : {$34000.00} On XX/XX/XXXX the issue was supposed to be resolved and they credited me {$10000.00}. 

However, this issue was not resolved. 

XXXX is stating they refunded me three of the XX/XX/XXXX payments. Those refunds have never been received. 

I have been fined twice for late payments for XXXX and XXXX and have a 60 day late payment ding on my credit report for XXXX. 

Lastly, my mortgage principal is not going down even with the extra payments. 

What needs to happen to resolve the situation is : 1. They need to discover what is going on in their system to prevent this from reoccurring.

2. I need the negative ding on my credit report for XXXX removed. 
3. I need to be refunded the two {$81.00} late fees 4. I need a refund of {$9200.00} {$34000.00} ( total paid ) - {$10000.00} ( XX/XX/XXXX credit received ) - XXXX ( XXXX payments due ) = {$9200.00} 5. My mortgage principal needs to be adjusted accordingly
Product: Debt collection

My family members ( Grandmother and Mother ) are consistently receiving collections calls from Williams & Fudge on a debt I do not owe. They are looking for someone with my same name, that has an outstanding debt with a college in the XXXX XXXX area. I have never lived in California and we don't have the same birth date. I repeatedly have to call them and say you are looking for the wrong person, just to have someone call back. This has been happening since 2012!