23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, three days before my agreed-upon rehabilitation payment of {$640.00} was due, I called Performant Recovery Corp. to explain that my financial situation had changed and that I needed a new audit of an income-based payment. A service representative indicated that they would cancel the payment on the XXXX, and re-audit my income and expenses to formulate a new payment, advising that a payment wouldn't come out until they reached a new amount. On XX/XX/XXXX, a date not authorized for a transaction, {$640.00}, an amount no longer authorized, was withdrawn from my personal checking account. I'm told on XX/XX/17 that amount was withdrawn in error, and that they are re-issuing a refund that won't be processed for 60 days or so. The debit on my account left my checking account negative and was unauthorized.
Product: Money transfer, virtual currency, or money service

The bank is Synchrony Bank. I submitted a wire transfer request at XXXX PST to the institution. I confirmed they received the wire transfer instructions at XXXX PST I also confirmed the wire was submitted to their queue. However, the wire transfer has been delayed and has not left the institution. XXXX ( employee ID XXXX ) is telling me that the transfer takes 2-3 business days to process. The amount of the transfer is in excess of $ XXXX and the purpose of the wire is to purchase a house. The bank is refusing to expedite the wire or to compensate for penalties I am being charged.
Product: Credit reporting or other personal consumer reports

I asked Equifax to assure maximum possible accuracy to multiple inaccurate accounts reporting on my credit file. Despite my efforts, Equifax has failed to conduct a reasonable and fair investigation that these accounts are 100 % accurate. The lack of response has caused me significant harm to my financial reputation and mental health. I greatly appreciate your attention to this matter and assistance you can provide to resolve the inaccuracies in my credit report.
Product: Student loan

I have multiple students with Discover, I believe that I have overpaid all of them due to excessive inexplicable interest charges.

I first complained about excessive interest in the spring of 2019 after several lump payments I made didn't affect how much of my payment was going to interest.

I called to complain about this issue again in the fall of 2019 as my minimum payment due was not going down after several lump payments. I was re-assured that it would be re-calculated at the end of the quarter, and it was.

I called Discover on the first week of XXXX to understand why I paid $ XXXX in interest in 2019 instead of the max possible $ XXXX, and could not get a answer to my question. 

After examining my statement for the month of XXXX, I discovered that I was being charged extra in interest. I called Discover continuously to have someone explain the extra charges. Everyone I spoke with, including a supervisor, agree to the amount I should be charged {$10.00} based on their ( and my ) calculations but could not offer an explanation for why I was actually charged {$34.00}. They usually end with something along the lines of " the computer does the calculations and it doesn't make mistakes. '' I wanted to know what " the computer '' was doing differently and have called Discover multiples times per day over the past two weeks on this issue. Eventually, I requested my payment history for all my loans, statement history and origination letter and decided to compute my loan history based on the terms of the loan. 

I realized that Discover owed me significantly for each loan and since then have been practically avoiding having a meaning conversation about it when I call. I get moved from rep to rep. I get told to review the documents carefully etc.

Attached are two documents for the calculations of one of the loans : one that matches my payment history and another that shows the interest computations daily. You can see that the bank currently owes  me {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and identity theft. I need the fraud accounts that are in my letter that are attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Product: Credit reporting or other personal consumer reports

disputed with XXXX several times on my collections and they keep coming back saying verified and i ask them to send me proof of how they did the investigation
Product: Credit reporting or other personal consumer reports

To dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a serious matter regarding the inaccurate reporting of a debt on my credit reports by XXXX XXXX, a debt collector, which is having a detrimental impact on my financial well-being. 

As of today, Tuesday, XX/XX/, I have been diligently working to address this issue by contacting XXXX Funding and their servicer, XXXX XXXX XXXX, in an attempt to obtain the necessary account records and proof that this debt is indeed mine. Regrettably, my efforts have been met with frustration and a complete lack of cooperation from these entities. 

Despite numerous attempts, both XXXX XXXX and XXXX XXXX XXXX have consistently claimed that no record of this debt exists under my name. To my disbelief, the supervisor for XXXX XXXX XXXX, XXXX, essentially told me to stop calling as they insisted they had no information under my name. This is not only uncooperative but also highly concerning given the impact this situation is having on my credit. 

I have attached copies of my credit reports from all three major credit reporting bureaus, XXXX, XXXX, and Experian, for your reference. As you can see, XXXX XXXX XXXX reporting of this debt has resulted in a significant negative mark on my credit reports, which is unjust and damaging to my financial standing. 

I have taken the initiative to notify XXXX, XXXX, and Experian about this issue, providing them with the relevant information. However, to my dismay, they have claimed that they have already investigated the information and have concluded that the debt is indeed mine. This response is both disheartening and troubling, as it appears that these credit reporting agencies are neglecting their fundamental duty to conduct thorough and accurate investigations. 

I urgently request the intervention of the Consumer Financial Protection Bureau to rectify this situation. It is imperative that the negative mark on my credit reports, attributed to XXXX XXXX, be removed immediately. I am suffering the consequences of this inaccurate reporting through no fault of my own, and it is affecting my ability to secure credit, housing, and other essential financial opportunities. 

I kindly request that you investigate this matter thoroughly and take the necessary actions to ensure the removal of the erroneous information from all three credit reporting bureaus. I believe that the attached credit reports, along with the lack of cooperation from XXXX XXXX and XXXX XXXX XXXX, provide sufficient evidence of the inaccuracy of this debt on my credit reports. 

I am grateful for your attention to this pressing issue and look forward to a prompt resolution. If you require any additional information or documentation from my end, please do not hesitate to contact me at the provided email address or phone number. 

Thank you for your assistance in rectifying this matter and restoring the accuracy of my credit reports. 

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

GM Financial states on my credit report that this account has been charged off. I never received a 1099-C. Being that the they already filed my account as a charge off on their taxes, and I have never received a 1099-C, this company is committing fraud. I kindly request that the CFPB investigate XXXX XXXX and take appropriate action to address this matter.
Product: Checking or savings account

Hello, I have some issues with my bank that I believe may be against the law.After I was scammed an account I opened was compromised. I reported the incident to the banks fraud department and to the XXXX County Sherriff 's department. I had information to lead them to the source of the fraud. No one did anything. This was 2 years ago. 

Last week the bank claimed a deposit and my account was left at XXXX. I tried to submit money to cover any withdrawals. I was not able to do this. Now there is a continuation of compounded overdraft charges that I have no way to submit money to cover, and the bank will not allow me to close the account. 
. 
What is the best way for me to report and proceed? 

Thank you. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX CRA : Experian Address : XXXX XXXX XXXX XXXX, TX XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of Experian, as listed on my most recently reviewed consumer report, several fraud/unauthorized are listed. As a reference, please see the below inquiries : XXXX XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX XXXX  : Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX XXXX  : Inquired on XX/XX/XXXX I am now notifying you that neither on those dates nor dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have yet to give Experian this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately, my consumer and privacy rights are being violated. 
Unless you can produce any proof or evidence supporting your claim or show that you were right in your decision to furnish this information please remove the inquiries mentioned above within 15 days of receiving this letter. It is your duty to report information accurately ; as of now, you are not doing that. I look forward to Experian resolving this matter with this initial communication. Should you choose to be willfully neglectful regarding my file, I will file a dispute against you in small claims court seeking remedy for said violations. 

Warm Regards, XXXX, XXXX XXXX Without prejudice, all-natural inalienable rights are reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 7 complaints informing Experian and XXXX that I was a victim of identity theft. Experian and XXXX are failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Experian and XXXX have claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX, XXXX XXXX XXXX
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 confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Type XXXX XXXX XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/2020 XX/XX/2020 Reference # : XXXX XXXX XXXX Closing Date : XX/XX/2020 Asset Amount : {$0.00} Court : US BKPT CT XXXX XXXX XXXX Federal U.S. Bankruptcy Court Liability : {$0.00} Exempt Amount : {$0.00} ) 15 USC 1681 section 602 A states i have the right to privacy. 15 USC 1681 section 604 A section 2 : it aslo states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 ( 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.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the accounts listed below which still appear on my credit report, even after your investigation. I want this item immediately re-investigated. The inaccuracies are highly detrimental to my credit score XXXX XXXX XXXX  XXXX Account Number # XXXX XXXX XXXXXXXX XXXX XXXX  Account Number # XXXX XXXX XXXX XXXX XXXX Account XXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number # XXXX XXXX XXXX  Account Number # XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified with so that I may follow up. Please send me an updated copy of my report after your reinvestigation.
Product: Mortgage

XX/XX/21 rocket mortgage/quicken loans would not provide a home loan estimate. I was told to verbally agree to this and was unable to show me the loan estimate. I kept asking why he was unable to do so when other companies did without hesitation. I clearly asked him, do I need to pay you 500 dollars in order to get this loan estimate and he said yes. I explained to the loan officer how this didn't make sense and made it harder for me to shop around. He avoided explanation and further details.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are four fraudulent acocunt that has been opened in my name without my permission. These accounts were opened fraudulently, Ihave advised the creditors and requested documents or a contract showing my signature authorizing them to open this acocunt. They have not sent me anything in 90 days. I have also tried to file a diosute with Experian XXXX and XXXX and they are no help. They keep referring me to the original data furnished and have told them many times i have spoken to the creditors and they send me back to the creditors. 
XXXX XXXX XXXX XXXX XXXX XXXX- XXXX A XXXX account was opened in my name and social security number. 
XXXX ad XXXX file numbers XXXX  # XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I missed a payment for my XXXX/XXXX XXXX account, I called and spoke with a representative the day after the missed payment to make the payment. I explained to them that I had not been working and that I was unable to afford the late fee on the account but I would still make the min due. They transferred the call to a special department and offered to enroll me in a " hardship program '' stating that for the next year my account would be set up for automatic payments and that it would be in the amount of {$15.00} dollars. I agreed and since XX/XX/2018 the {$15.00} dollars have been debited from my checking account every XXXX of the month. I never knew this account was being reported late until recently, I reached out to commenity and they verified that I had been signed up for the program and that there was an error on their behalf made by the representative I had initially spoken to. I would like to get this late payment status removed seeing as though I have been making the monthly payments as agreed.
Product: Mortgage

My daughter who now oversees and manages my finances made me aware that the loan for my home has been the sane for the last 17 years or so. Looks like I was not properly informed of the product chosen. I have been in an adjustable interest only loan. Washington Mutual was my original mortgage broker. I requested a refinance and was conned into this interest only loan. It has been a very long time so I do have a specific memory of what happened. This type of loan should be against the law. I believe at the time there was a market crash and I was looking to refinance. My daughter feels I was taken advantage off. She feels this is senior abuse. When I tried speaking with the bank, they said there was nothing they can do. I am retired on a fixed income and do not wish to continue throwing my retirement away. This loan serves me no purpose. I am looking to have the monies paid out applied to a traditional mortgage. I have paid my mortgage off just about and have nothing to show for it. The banks are not being very fair these days and are taking advantage of people at their weakest times. I am XXXX XXXX XXXX and have enough sense to know this is wrong. The bank wasn't willing to assist me at all with this issue. The employees at Chase were just as shocked as I am. According to the contract, this was only supposed to be for 5 years to start. It was supposed to be looked into. It's been 17 years of me just giving my retirement away. I don't even have a home to leave to my survivors. It's really a shame and a bad deal. My payments have doubled in the last few years. I'm looking for a solution.
Product: Credit reporting or other personal consumer reports

Dear CFPB I have notified XXXX on several occasions of my wishes and continue to violate my consumer rights. I have sent them an injunction and explained to them the following : Pursuant to relevant laws under the Fair Credit Reporting Act ( FCRA ), I hereby lodge a complaint against Experian, which is a consumer reporting agency, for violations of my consumer rights. 

Under 15 USC 1681 section 602 ( a ), it is mandated that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Additionally, 15 USC 6801 outlines Congress 's policy that financial institutions, including furnishers of information to credit agencies, must respect customer privacy and safeguard nonpublic personal information.

Per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish a consumer report with the written instructions of the consumer to whom it relates. XXXX, Experian, and the furnisher of information to credit agencies have not obtained my written consent to furnish this information, thereby violating my privacy rights. 

Furthermore, 15 USC 6802 ( b ) ( c ) dictates that financial institutions must inform consumers of their right to exercise nondisclosure options, which was not done in this case. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without proper authorization. This account, being reported without my consent, constitutes a violation of this provision. 

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) stipulates that information furnished to consumer reporting agencies must be accurate. XXXX and Experian have failed to maintain reasonable procedures, as required by 15 U.S. Code 1681e, to prevent violations of FCRA sections.

Lastly, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, which I let them know is my will to be done. I showed them the following was on my consumer report in violation of the relevant laws : I wrote to them to remove the following from my consumer report : XXXX XXXX XXXX XXXX and its Alleged balance of {$10000.00}, XXXX XXXX XXXX XXXX and its Alleged balance of {$15000.00}, XXXX XXXX and its Alleged Balance of {$3300.00}, XXXX XXXXXXXX XXXX and its Alleged balance of {$7700.00}, XXXX XXXX XXXX XXXX. I anticipate a prompt and satisfactory resolution Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX sent me a letter stating they would update the reporting ( after I wrote them telling them the reporting was invalid ) they updated with XXXX. The others are STILL inaccurately reportingXXXX I sent the bureaus the information first progress provided PROVING there should be an update. XXXX Certified Mail Number : XXXX. This reporting is a direct violation of my rights and is causing undue financial hardship
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. 

Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 reporting, credit repair services, or other personal consumer reports

I have reported to all three credit bureaus that there is residence information that does not apply to me, and the information showed back up on my report and has also been included on employment background checks for XXXX XXXX in Pennsylvania. I have advised them that the information belongs to my sibling and not myself, most recently viewed during a potential employer 's background check. I have initiated the correction to be made several years ago and most recently, XXXX, 2019. This erroneous information could be affecting future employment, and I am enlisting the bureau 's aide in finally resolving the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Bank is reporting an erroneous debt on my credit file that must be removed. I recently looked at my credit file and noticed this debt with them, I immediately called and settled this debt with them. I had no idea that this was on my file, as I never received any calls, notices, or correspondence from them. I ask that they remove the account for not giving me ample time to pay this, or giving me my 30 day right to dispute. The debt is no longer owed and I would like the account removed.