23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

A revolving credit card account that I share with my wife was deleted from my credit reports. I am an authorized user on the account. I was told by TransUnion to contact XXXX XXXX to resolve the issue. XXXX XXXX assured and reassured me that it is a problem with the credit bureaus and that they have been reporting the account as they always have. However, after contacting the XXXX major bureaus ( XXXX, XXXX, and Transunion ) I was told that it is an issue with XXXX XXXX 's reporting because they only report information sent to them. I was also told a missing account is not technically a dispute, so filing one may not help at all. I just want the revolving account to be reported as it has always been reported so I can get a home loan! My credit worthiness is being misrepresented due to this lack of credit history showing on my reports. The bureaus blame the creditor, and the creditor is blaming the bureaus. I ca n't seem to get any of them to own up to being at fault for this error. I want the credit card account history to show on my credit reports as it always has - dating back to XX/XX/XXXX. I have attached copies of my free annual credit reports, accessed XX/XX/XXXX. I have also attached the merged report I received from my home loan lender showing the account is not on there as of XX/XX/XXXX.
Product: Debt collection

Lj Ross Assoc - Acct # XXXX Opened - XX/XX/year> Credit Limit - {$140.00} I submitted a dispute letter to XXXX  requesting the removal of this item from my credit report, as I was unaware of any outstanding debt owed to XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to address and prevent fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their despute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I was charged XXXX {$36.00} for overdraft fees in one day when only two were valid. I've paid over XXXX in overdraft and other fees in the last 6 months, and I'm struggling with no help from us bank and no response from management. The over darft charge is what put me in the negative
Product: Student loan

In XX/XX/XXXX, I contacted Navient and spoke with a male representative to inquire about applying for the Navient Rate Reduction program. I explained that my loans last qualified for the program more than a year ago, yet I had not been able to apply for it since it last expired in XX/XX/XXXX. The representative reviewed my account and informed me that my student loans were " gray listed. '' He further explained that although I have 9 years remaining on paying my student loans, my loans have been internally " gray listed '' and that prevented me from being able to apply for the Navient Rate Reduction program. He further stated that the company tends to " gray list '' student loan accounts with payments of 5 years or less remaining ; however, he was unsure as to why my account had been " gray listed '' when I had significantly more years left on my student loan payment plan.
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. 


FRAUDULENT ACCOUNTS : 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

I have a both a fraudulant collection and inquiries on my TransUnion. I have tried going direct to bureau and companies to have this removed. They have already been removed on my experian for the same reason and I have the right to an accurate credit profile according to the FCRA. 

Collection account - XXXX XXXX XXXX  ( {$570.00} ) Fraud Inquiries - XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX / XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Debt collection

American Express called my Father on XX/XX/2018 to ask about my Card that was past due. I am not a Minor, and they have no legal right to discuss my debt with my parents. The billing statement was only 2 days past due, and they were calling my relatives about my debt. The were talking to him and told him the exact amount due, and private information about my debt. I assume it is american express, but they are also calling my cell phone from various different numbers, and the voice mail is telling me to call a different number than the caller ID is coming up as. In this age, where there is so much fraud and identity theft, they should only be calling from known published numbers, not random numbers. When someone leaves a voicemail, with a computer generated pre-recorded response, telling me to call a completely different number, that in my mind is someone trying to steal my private information.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax over 30 times from XX/XX/2020 to the present day. They will not update my credit score nor can any lender pull my Equifax credit history. I call and they say the same thing over and over or they just hang up on me. I've faxed them 10 times and followed their " dispute '' process. Nothing is ever done and it's ruining my life. I can't get any loans or refinance anything and their customer service is a complete joke. Now they sent me a letter telling me I have no credit with them after they mailed me a credit report. No one EVER contacts me back and NO ONE does anything. What a joke of a company. This is my 2nd complaint on them and even last complaint, they said they " mailed '' me a report. They aren't listening to me when I say that no LENDER CAN PULL MY EQUIFAX REPORT.

THEY WON'T ALLOW YOU TO SPEAK TO ANYONE IN THE US THAT CAN HELP EITHER. IT'S ALWAYS AN OFFSHORE AGENT THAT CAN'T DO ANYTHING AND THEY TELL ME TO FAX DISPUTES AND I'VE FAXED THEM 10 TIMES!
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I  am requesting the removal of one Bankruptcy ( below ) on my  XXXX , TransUnion and   XXXX    credit report ( s ) d ue to Civil Case No.  XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX   v.  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  did not know the source of their information on the Bankruptcy and due to this, the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ). Please remove the judgment and lien as soon as possible.     Bankruptc y Ref.  #  XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX In XXXX I took out a loan for {$140000.00} with USBANK. This loan when I took it out was a HELOC. ( It was a revolving line of credit. ). Then in XX/XX/XXXXUSBANK converted the loan to a XXXX ( MORTGAGE ) that does not have a revolving line of credit. But USBANK did not amend the DEED OF TRUST that they used to record the loan on title. On XXXX XXXX I applied for a HOME Equity Line of Credit with XXXX. Aproximately 3 weeks later I found out that there was a problem with how USBANK had recorded the current loan ( {$140000.00} ) was recorded on the title of my house. I brought this to USBANK attention right away but they took 3 months getting back to me with a definite answer. They said they had done nothing wrong. Though they wrote me several letters that stated. 1. they had done nothing wrong. 2. They had reported everything properly. 3 That I had a MORTGAGE and did not have a revolving line of Credit. 4 That the mistake was not theres but it was the title company 's ( XXXX XXXX XXXX ) who misinterpreted what they recorded. I have found out that that the only instrument that USBANK recorded was a Deed of trust that clearly states that I have line of credit with a max loan amount of {$140000.00}. This was correct in XX/XX/XXXXwhen it was recorded but when USBANK changed my loan in XXXX to a mortgage without a LINE OF CREDIT there should have been an amendment to the the original deed of trust. As a result of their failure to amend the DEAD OF TRUST. I had my loan with XXXX cancled and had to restart my loan at .25 % higher rate after USBANK finally put in writing that I do not have line of credit and actually have a MORTGAGE. I believe also that USBank has done the same thing to all of their customers who had HOME EQUITY LOANS with them prior to XXXX when they converted all of them to mortgages. I Believe that USBANK should pay the difference in the cost of my loan over the life of my loan. ( {$5300.00}. ) This is the damage that I am incurring as a result of 1. USBanks slow decision making ( 3 months ). 2. The fact that USbank never amended the Deed of Trust to reflect the loan change that they made in XXXX. Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

XXXX Bank XXXX my account without my knowledge or consent on or about XX/XX/XXXX. As of XX/XX/XXXX, XXXX Bank has not contacted me nor restored access to my account or its funds, despite my repeated telephone calls requesting they restore my access. During the phone calls they refused to transfer the call to a XXXX and also refused to transfer the call to the security department. Others have reported very similar problems on XXXX Bank 's XXXX XXXX XXXX page.
Product: Credit reporting or other personal consumer reports

unauthorized company obtained my personal information without my consent.
according to 15 us 1681 I would like this inquiry remove from my credit.
Product: Credit card

Im filing a dispute on incorrect information regarding late payments on my Bank of America credit card on the dates XX/XX/23 and XX/XX/23, they have agreed to note the account that it was incorrect on their end, Ive spoken to several Bank of America employee that work at the bank and even contacted the Bank of America customer service credit department and they also had explain to me that they will notify the credit bureau about the change This has affected my credit score by almost XXXX points on inaccurate information, please it has been XXXX months and still no change.
Product: Credit reporting, credit repair services, or other personal consumer reports

i requested for XXXX  XXXX, exquifax and XXXX to provide me with the written authorization of the consumer i even called and asked for them personnaly to remove the inaccurate inquiry the credit bueros told me file cfpb complaint
Product: Credit card

On XXXX XXXX, 2015 my EastWestBank card was flagged as being suspected of fraud activity. Elan Financial Services manages security and fraud activity for EastWestBank. VISA notified Elan Financial Services on XXXX XXXX, 2015 that they had suspected that my EastWestBank card of fraudulent activity. 
Elan Financial Services never notified me that my EastWestBank card was flagged as being suspected of fraud activity. I was carrying and using a suspected fraudaulent credit card for days before I discovered this status. And I only discovered that my credit card was suspected of fraud on XXXX XXXX, 2015 when Elan Financial Services denied a purchasedI made to XXXX. I was never notified. 
I spoke to a manager of the fraud department at Elan Financial Services on XXXX XXXX. He informed me that notifying the card member of any fraud activity is optional. I have other credit cards who not only notified me of suspected fraud actiivty but issued a new credit card immediately. 
As the card member, do I have the right to be notified immediately when my credit card is supected of fraudulent actiivity?
Product: Credit reporting, credit repair services, or other personal consumer reports

They keep charging my card when I told them for three months to cancel my membership. They will not do it. How they get over is they don't notify you when they take your money. This place is a scam who fraudulently charge you without even knowing. I let them get away with it the last two months in hoping they'll cancel but they will not. Please give me back my three months and cancel it
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX  Car Loan shows a late payment on my experian credit report.

It was over XXXX years ago and they continue to show the one late payment and it should have dropped off by now. It is the only late payment showing, and. It was never late it as short by a few dollars and they continued to show it. 
I want it taken off. Leave the remaining history.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a certified letter ( XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Credit Corp Solutions ( CCS ) requesting Debt Validation and a Cease and Desist under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), Ohio XXXX XXXX XXXX, Contract Law, and Uniform Commercial Code ( UCC ) Article XXXX. My letter specifically requested the following : Complete chain of title and proof of assignment. 
The original contract with all signatures. 
The bill of sale and full purchase agreement. 
Proof of authorization to collect the debt. 

In response, I received a letter from XXXX XXXX ( XXXX XXXX and Quality Assurance XXXX ), dated XX/XX/XXXX, along with the following information : Original Creditor : XXXX Bank XXXX. Account XXXX : XXXX. Current Creditor : XXXX XXXX XXXX XXXX XXXX Balance Outstanding : {$980.00}. Reference Number : DT XXXX. 

XXXX XXXX stated that the debt originated from an account with XXXXXXXX XXXX created on or around XX/XX/XXXX, which was allegedly assigned to CCS on or around XX/XX/XXXX. The letter included terms and conditions and account statements. However, it did not include the documentation I specifically requested, such as the original signed contract, proof of assignment, or complete chain of title. There are no signatures from either party, nor did they provide the bill of sale, purchase agreement, or other key documentation required to validate the debt under federal and state laws. 

On XX/XX/XXXX, I sent a follow-up letter via certified mail ( XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) restating my demands for : Complete chain of title and proof of assignment. Bill of sale and full purchase agreement. Assignment of rights and title. Proof of authorization to collect the debt. 

To date, Credit Corp Solutions has not responded to my second letter or provided the requested documentation. Additionally, they continue to report the alleged debt on my credit report while it remains under dispute, which is a violation of the FCRA, 15 U.S.C. 1681s-2 ( b ), and may also constitute unfair or deceptive practices under the FDCPA, 15 U.S.C. 1692e. These actions have negatively impacted my credit profile and caused undue stress.
Product: Debt collection

In XXXX I broke a residential rental lease with XXXX XXXX in XXXX, KY. I was told to do you I had to pay one month 's rent as a penalty. I did so. I was then told it was two months. I told them that was not what I was told upon leasing and I moved. Three years ( late XXXX ) later I attempted to rent an apartment and found that XXXX XXXX had reported their purported debt on my credit report. I had to get a co-signor to rent at that time. During the following years, I hired a credit counselor to handle this issue. The counselor could no longer find XXXX XXXX as they sold the apartments and are no longer in existence. Now, in XXXX, I am again attempting to rent an apartment and this invalidated debt is still on my credit report. I hired an attorney to attempt to find the proper party. It was determined that an attorney in XXXX, Georgia, XXXX XXXX claims to have purchased the debt. His employee, XXXX XXXX, contacted me and told me that I can play the debt with her. I asked for this in writing and she refused, stating that their office does not put anything in writing. I asked her how I could be protected by a verbal agreement. She stated that she would not lose her license for such a small debt. I then contacted the XXXX  XXXX XXXX and was told that XXXX XXXX is not a licensee. I am also filing a complaint with the XXXX at this time. My attorney, XXXX XXXX has attempted to contact XXXX XXXX for over two weeks. Attorney XXXX has emailed a release to be signed upon payment and XXXX XXXX refuses to reply. Myself as well as my attorney have asked for the documents to prove my debt repeatedly. XXXX XXXX 's employee indicated they have never had such information and will have to request that information. I have yet to receive anything. I am being held XXXX by his refusal to act. A quick check of the XXXX XXXX XXXX website will show that this office conducts itself in this manner as a course of business. Please advise as to any and all remedies available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for Immediate Removal of Fraudulent Account [ XXXX ], Account Number : [ XXXX ] Dear Sir/Madam, I am writing to inform you that I have recently fallen victim to identity theft, which has resulted in a violation of my rights as outlined in 15 USC 1681c-2 and 15 USC 1681b. My FTC Number is XXXX. 

I kindly request your urgent assistance in rectifying this matter. Specifically, I am requesting the immediate removal of the fraudulent account associated with XXXX, Account Number : XXXX. The fraudulent activity occurred on XX/XX/2018. 

I understand the gravity of identity theft and its potential implications on my financial security and personal well-being. As a responsible consumer, I have taken immediate action to report this incident and rectify the situation. I sincerely hope that you can expedite the process of removing this fraudulent account from my records. 

Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022.
Product: Student loan

I recently paid off one part of my Navient Student loan. While the site does show that my loan is pain off it recalculated the payment for the remaining portion of the loan ( approximately {$2900.00} ) for 33 months at {$130.00} for a total amount of interest of {$1400.00}. while this makes great business sense for them I fele that there interest rate during recalculation of 30.85 % seems inordinately high for the loan having an interest rate of 6.05 % of the loan. I did contact them through the web site but did not yet hear back other than an automated response. I would just like to file to facilitate a resolution. As it stands the loan payment amount should be approximately {$96.00} mostly over the last 33 months at 6.05 %
Product: Credit card or prepaid card

I have always made more than minimum payment due and always made all payments on time. On or around XX/XX/XXXX this year I accidentally submitted two payments the second of which led to insufficient funds being available and a returned check was issued. The payment that did go through was for {$500.00} the second that did not was for {$400.00}. A week later I made a payment for {$350.00}. I make 3-4 payments per billing cycle. I utilize no more than about 25 % of my credit limit.

I have abided by all requirements in the agreement and although I understand Citi can close the account if it so wishes, the effect on my credit score is damaging and I dont think the reasons Citi claimed warranted closing the account on top of a fee for the returned check. 

The supervisor I spoke with simply said " Citi just felt is was time to close the account ''. I am not sure how making all payments on time backs up his opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 XXXXXXXX Balance XXXX {$7100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$64.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$85.00} XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$64.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$85.00} XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$7100.00} 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 Balance XXXX {$7100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX