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

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Product: Vehicle loan or lease

Thank you for taking a couple of minutes out of your busy day to read this letter. Ive enjoyed my relationship with scs credit corp since XXXX Im writing because I noticed your company  reported a collections on XX/XX/year> on my credit reports. I am requesting a goodwill adjustment to remove this collections payment from my XXXX, XXXX and XXXX credit reports. 
Upon review of my records, I realize that I did indeed miss the payment deadline. Unfortunately, I was without a job and was XXXX. I take full responsibility for the mistake and have made sure it wont happen again. As you can see from my payment history, Ive made every payment on time both before and after the late payment. 
Im in the process of applying for a auto loan to get back in fourth to work and the negative impact of the collections account could result in a denial for my loan or a much higher interest rate that could cost me a significant amount of money. If you could make the goodwill adjustment requested, I believe it will significantly improve my chances of approval and save me unnecessary costs in the process. 
Thank you for your time and consideration. 
Sincerely,
Product: Payday loan, title loan, personal loan, or advance loan

Credit union said someone else is trying to get a payday loan in my name
Product: Credit card

Got an unsolicited credit card in the mail. Call now to activate got a human, not a computer service. Asking for supervisor got " He is not in yet ''. Credit limit was {$150000.00}. IMCA Capital. XXXX. Return address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Activate on line at www.activatecardnow.com. 

This appears to be a site to loan money to small businesses, not a CC supplier. I consider this deceptive advertising and a considerable nuisance as well. It made me suspect identity theft.
Product: Checking or savings account

On XX/XX/21, I received a phone call from Popular Bank employee XXXX XXXX that my external account could not be processed because I needed additional documents to prove my identity. Ms. XXXX requested that I email the documents to Popular Bank employee XXXX XXXX which I did. On XX/XX/21, Ms. XXXX sent a confirmation that she received my documents and that my external account would be operational on XX/XX/21. At the end of the day on XX/XX/21 I get an email that no documents were sent and that my account was frozen. On XX/XX/21, I call customer service who tried to contact both XXXX XXXX and XXXX XXXX but neither were working. I was then again instructed to send my documents to Ms. XXXX but was also informed that she has to forward my documents to the " correct '' department and that this process will take another 3 days. This means an entire week with no access to my money.
Product: Student loan

I first acquired a {$10000.00} loan from XXXX XXXX to attend a local school, at which time I was making payments at 9 % interest, {$80.00} per month, I was unable to find work in that industry as all of the prospective employers stated they would not hire anyone from that school which teaches same style to everyone, like a robot. I was offered deferrment for 5 years ending in XX/XX/XXXX, I took it. I then was offered forebearance there after, I never knew there was a plan for financially challenged individuals. The loan was then moved to XXXX in XX/XX/XXXX at that time interest accrued and compounded to {$30000.00} at the same 9 % interest as originated. I was offered again to place loans in forebearance, at one time during the next couple years I was about to default due to utilizing all of my forebearance allowed, it was explained to me, there was a program in XX/XX/XXXX that can get me out of default if I paid {$90.00} per month for 9 months, according to my gross income of {$2000.00} per month. I made payments for specified period, and my loan was placed back in good standing with credit bureaus. After that I was once again placed in forebearance to pay at that time {$370.00} per month as only resolution to my issue. In XX/XX/XXXX my loan was passed on to Navient, {$42000.00} at that time, as they contacted me I explained that I was only making {$1700.00} per month gross, once again the answer I was given was forbearance. My loan balance is now over {$60000.00}, over {$50000.00} is interest. Ive been in and out of XXXX since the economic downturn in XX/XX/XXXX. I get work when possible but still only make {$1700.00} per month gross, my latest forebearance that Navient just put me on without my knowledge, ends XX/XX/XXXX and payments of {$700.00} per month will resume for a total of 300 months. Im getting back on my feet and my credit is getting better, however, I will not be able to make {$700.00} per month payment and inevitably will go back into default and credit back down the tubes. Im just looking for a payment I can make I dont care if I pay the loan for the rest of my life. I dont know where to go for help, so I look for direction. Thank you for help in advance.
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 the transaction was authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with text CFBP Findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe the practices are unfair and request and investigation into to my account transactions.
Product: Credit reporting or other personal consumer reports

This is my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX 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

My identity has been compromised and the more that I research the accounts reporting fraudulently the more I believe a past business associate who stole thousands of dollars from me is the culprit of the crime. I am doing everything to protect my credit so I have requested extended fraud alerts, my personal information to be corrected, and unauthorized inquiries removed as suggested by the FTC. I sent each of the bureau 's a letter on XX/XX/2021 a letter requesting that my personal information be corrected there is currently inaccurate names and addresses and yet this inaccurate information continues to report on my credit report. Attached to this complaint is a copy of my identity theft affidavit and the letters that were sent to the bureau 's in which the failed to modify.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I contacted XXXX to get information on what debt they are collecting on. When I asked for them to send me whose debt they were collecting on - myself, my husband, or my son, and who they were collecting for and the amounts each they refused because they said they had already mailed that information out. They are trying to collect on medical bills through a small claims lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Furthermore, I have sent proof to several months back containing an identity theft affidavit as all the items being disputed are a result of identity theft. 

I demand that the following accounts be verified or removed immediately : All the items below are a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also , please remove all non-account holding inquiries over 30 days, and add a promotional suppression to my credit file to prevent further identity theft. 

Inquiries as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2021 I sent a letter to Equifax to validate the information on my credit report and open an investigation to ensure that the current profile was reporting 100 % accurate. As shown on their website my initial letter included a validate copy of my drivers license as well a an update to date copy of my credit card billing verifying my address. Each letter thereafter included a copy of my drivers license. 

I had not received a response from them so on XX/XX/2021 I sent them another letter notifying them again and asking that they open an investigation on the accounts listed in the letter. 

By XX/XX/2021 I still had not received any communication from Equifax regarding the dispute so I sent them yet another later on that date pleading they open an investigation and exercising my rights as a consumer under the FCRA. 

It is now XX/XX/2021 and I've still not yet heard anything from Equifax regarding any of the dispute letters I've sent out. 

During the course of these 5 months I've contacted them by phone to ensure I've had the proper mailing address, which they have confirmed. 

Please assist with this issue. 

Thank you
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 XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 NumberXXXX Account Name : XXXX XXXX  XXXX Account NumberXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, XXXX Equifax and XXXX have not changed my credit score. 
XXXX and XXXX XXXX incorrectly reported us as late and now has sent a letter to correct that to all credit bureaus and they have NOT done that as my credit is still in the 600 's instead of the 800 's. Their letter is attached. 
NONE of the credit bureaus have changed their score and this has taken MONTHS and attorneys to get a correction from XXXX and XXXX XXXX. I need the paperwork for a refinance company.
Product: Checking or savings account

my benefits goes to to this bank every first and third of each month and the problem ( s ) that i am having with this bank is that before i never had a problem with checking my balance in my account but now i am being sent to a 1800 number and i never had a problem checking my balance with the other people that works for this company now i have to go through a lot of red tape before i can get the information that i need for my account. and this is not the first time that i had problems with this bank. i wanted to get a secured credit card and was declined one and i had the requirements in the amount of {$300.00} dollars and when i told the lady that what ever i use out that {$300.00} dollars and to draft it out of my account to bring it back into good standing. so when she after 30 to 45 being up in this bank and i told her that she had put something in her computer that i don ; t qualify for one. like i said this has not been the first time i had with this bank. i even had a banker to tell he was not the one. and i have even spoke with his supervisor like i spoke to a supervisor about the employee that about the problem ( s ) i am having now. if she was not lying why was i hung up on? and why was i not informed about that i would have to call a 1800 number to check my balance and things about my online banking? and why i was not informed about things that should have been told about the things and the changes that was made? and why i did not qualify for credit card?
Product: Debt collection

On XX/XX/XXXX, XXXX/Synchrony Bank improperly installed defective alleged water-resistant laminate flooring in three rooms of my home. Immediately after installation I noticed raised areas on the newly installed flooring which were very noticeable and unacceptable. I notified XXXX immediately via their Chat feature on their website. At this point I re-thought the my initial observations of the raised and warped areas on the new flooring. I had applied blue painters tape on top of all areas which appeared to be non-congruent with the rest of the flooring ; ie : the raised areas. As the days and weeks passed, I observed the slightly raised areas increasing in size in all directions. I noticed the areas where the boards were butted up against each other were becoming more pronounced and noticeable. By XX/XX/XXXX the raised and warped areas of the flooring had grown to a stage that I could no longer dismiss them so I contacted XXXX and explained the situation to them. XXXX sent an inspector out to look at the flooring in my home on XX/XX/XXXX. I believe his name was XXXX. XXXX agreed with me that the flooring looked warped and damaged and improperly installed in some areas. XXXX told me that rectifying these problems can take up to a year or more. I contacted the finance company, Synchrony Bank and advised them that there was a large problem with the flooring. All of the flooring. I told them that there was no part of the flooring that was any longer acceptable and that I was not going to pay one more penny for the flooring until the matter was resolved. I also told them that I wanted to have the entire flooring removed from my home and all of my money returned to me. XXXX advised me that I would still be charged interested and be obligated to pay for any portion of the flooring that was not in dispute. I explained to XXXX that the ENTIRE floor was in dispute and that no further payment would be made on the account and that, in fact, I wanted any money that I had already paid for the flooring returned to me in full. On XX/XX/XXXX, I received a phone call from a debt collector, XXXX XXXX, regarding this account. XXXX from XXXX conveyed to me that Synchrony Bank had turned my account over to a debt collection agency, therefore damaging my credit. Additionally, XXXX began charging late fees and ongoing interest against my account without my knowledge or permission and against our verbal and written agreement once the problem was discovered. They continue to take collection measures against me
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that 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 a similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and I request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccuracies on my credit report regarding an account reported by XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) requires that all information on credit reports be accurate, complete, and verifiable. However, the reporting of this account contains multiple errors and inconsistencies, as outlined below : 1. Inconsistent Dispute Comments Across Bureaus : XXXX  : Dispute resolved ; customer disagrees.

Experian : Subscriber reports dispute resolved - consumer disagrees. 
XXXX : Consumer disputes after resolution ; closed or paid accountXXXX balance. 
These discrepancies create inconsistency in reporting and could mislead creditors. 
2. Late Payment Reporting on a Closed, Paid Account : The payment history shows multiple 30-day late marks for a closed account with a {$0.00} balance. This may be inaccurate or unverifiable. 
3. Failure to Properly Update or Remove Dispute Comments : Despite the account being resolved, the dispute comments remain, suggesting the account is still under dispute. This is misleading and violates reporting accuracy. 
4. Inconsistent Reporting Dates : The Last Reported date is inconsistent : XXXX : XX/XX/year> Experian : XX/XX/year> XXXX : XX/XX/year> 5. Inaccurate Payment History : If the payments were made on time, the 30-day late marks are improperly reported, violating the FCRAs accuracy requirements.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit bureaus must follow procedures to ensure accurate reporting. The discrepancies in dispute comments and payment history violate this provision. 
2. 15 U.S.C. 1681i ( a ) : Failure to Conduct a Proper Investigation : If disputes were filed and the information remains inaccurate or incomplete, the credit bureaus failed to investigate and correct the errors. 
3. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor ( XXXX XXXX ) has a legal obligation to report accurate information and correct errors once notified. 
4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Late payments reported for a closed account with a {$0.00} balance may be obsolete or incorrect.
Product: Student loan

My name is XXXX XXXX. I am currently a XXXX at XXXX XXXX College. I recently reviewed my credit report and was surprised to see that I had missed payments on my private and federal student loans. After doing some investigation, I realize that I completed both of my classes with a passing grade in the fall semester ( 2017 ) and this triggered my credit report on ( XX/XX/XXXX& XX/XX/XXXXof 2017 as missed payments ) and trigger an automatic repayment schedule. My loans should of been in in school deferment status after the fall semester ( 2017 ). I also sent out a letter to Navient directly and I haven't gotten a response back yet. it been about a few weeks now.
Product: Debt collection

Recently noticed a debt collection record from ERC ( Enhanced Recovery Corporation ) for XXXX account stated as opened on XX/XX/XXXX. I was not residing in US from XX/XX/XXXX to XX/XX/XXXX. Also I did not got any letter later for account opened in XX/XX/XXXX.