23daVinci/CFPB_Complaints huggingface dataset:
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. 

, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX : XXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX  : XXXX, has violated my rights. 

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 an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish and 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.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.
Product: Credit card or prepaid card

On XX/XX/2023, I was browsing around looking for furniture. I came across Conn 's Home Plus website and was greeted with a popup promotion stating I could be approved for monthly payments after putting in my information and if approved and can make my purchase within 60 minutes, I will receive a FREE delivery. I hurried and filled out the form and was approved for a credit limit of {$1600.00} to use in-store. After choosing the item I wanted, I was taken to the checkout page and was given the option of how I wanted to pay one of the options was Conn 's Home Plus Financing that I was approved for. Before signing up, I also added the lease-to-own option with NO credit check. Once I got to the checkout and clicked on Conn 's Home Plus Financing option, I was taken to another site called XXXX XXXX XXXX and was asked to put in my social security number, date of birth, and my cell phone number which I couldn't understand. So I stopped the application and called conn 's support to find out what was going on and as I was explaining to the man what had happened, he ask for the last four of my social security number and date of birth and explained that I had been denied and I will receive a letter in the mail, I asked how could that be because when I was signing up, it said no credit check. The man said well it was one done on me and I told him without my consent and false advertisement. He said sir you will receive a letter in the mail, I asked how could Conn 's run a credit check on me without my permission. The man than hanged up the phone.
Product: Credit card or prepaid card

I was for an XXXX XXXX Membership on my XXXX store card held by XXXX XXXX which was not authorized. When I was alerted that a membership fee would be charged ( this was in XX/XX/XXXX ) I initiated an online chat with an XXXX representative and they advised the membership would be cancelled and no fee would be charged. Evidently the representative did not cancel the membership and they I was billed {$120.00} on XX/XX/XXXX. I reached out to XXXX a second time and advised them the membership was supposed to have been cancelled. The representative said they would cancel and issue a credit for the fee. When I received my Synchrony statement in XXXX I was shocked to see that fee had not been credited and in addition there was a late fee and finance charges. To further complicate the issue my account is showing delinquent so I initiated a dispute with Synchrony and asked for a temporary credit while the dispute was in progress. Synchrony refused and said I would need to wait until the dispute was reviewed. When I advised Synchrony I would contact the CFPB the OCC and XXXX   they closed my dispute by saying that the charge was for an XXXX XXXX Membership and to contact XXXX!!! I feel that both the merchant ( XXXX ) and credit card issuer ( Synchrony ) are engaging in unscrupulous practices and predatory lending that leaves the customer with no recourse ( basically they charge what they want when they want and the consumer is powerless to challenge what they are doing ). I appreciate any assistance the CFPB can provide in helping me resolve this matter. Thank you
Product: Credit reporting or other personal consumer reports

Experian is currently reporting my credit score almost XXXX points lower than what it really is. They got me at a XXXX when I have a XXXX XXXX and and a XXXX XXXX. I believe this is because of the major discrimination issue that Ive dealing with since XXXX ; and this needs to be fixed immediately. Also, theyre reporting that I owe XXXX XXXX  XXXX $ XXXX. As you can see from the screenshot that my balance with them is- {$.00}. I just havent got around to transferring the money yet ; but Im pretty sure that I can get that situation squared away very soon
Product: Student loan

I previously submitted a complaint on XX/XX/XXXX, which stated that my debt should have been canceled because the loans were private student loans that were issued in excess of the cost of attendance ; thus, these loans are automatically discharged in bankruptcy. You replied that you were aware that I filed for bankruptcy in XXXX and that you were aware that there was a discharge but that you were not notified that the debt was included in the discharge. However, you were notified by the fact that you were notified that there was a discharge ; and as such, all debt, including private student loans that were disbursed in excess of cost of attendance are automatically discharged. Why was the debt not canceled at that time, if all debt are automatically discharged?

Second, last year, you reached a settlement in the Youssef v. Navient class action lawsuit. My name was on the list of members in the lawsuit. However, my debt was not canceled. Please explain why my debt was not canceled if I was one of the members in this class action lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX XXXX SINCE XXXX
Product: Debt collection

Subject : CREDENCE RESOURCE MANAGEMENT To Whom It May Concern, I am writing to dispute the account listed below, which appears on my credit report. I assert that this account is not mine and I am not responsible for the debt associated with it.

I have never opened an account with this creditor, nor have I authorized anyone to use my information to open an account. I believe this account may be the result of identity theft or a clerical error. I do not owe Credence Resource Management {$350.00}. 

I request that you immediately investigate this matter and remove this account from my credit report. Please provide me with written confirmation of the removal once the investigation is complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I purchased a vehicle from XXXX XXXX XXXX. The vehicle was listed as XXXX. A large down payment was placed down, leaving only a little over XXXX to be financed. The vehicle was later determined to be a fraudulent sale. It had frame damage and the dealer surety bond established a release an assignment from me to the surety. Despite this this company continues to report on my credit report. I have previously disputed with credit reporting agencies in which I get a response to contact the furnished. This company is aware that their surety bond paid out due to their fraudulent act. They continue to report inaccurate information, hurting my credibility and ability to obtain credit. Additionally, the previous established payment amount of {$200.00} has always been incorrect and they have always reported an inaccurate .obtain credit. Additionally, the previous established payment amount of {$200.00} has always been incorrect and they have always reported a in accurate amount of {$180.00}. After several disputes, it was recently updated with no information. Other than the account was paid, but listed as a charge off. This company needs to remove all negative information and leave the positive on time payments. The account has been disputed and request for re-investigation on two different occasions, and is currently processing through CFPBs complaint system as the account continues to affect me negatively by the inaccurate and incomplete information.
Product: Mortgage

I filed bankruptcy previous to moving out of my home. I moved in XX/XX/XXXX. A while after I moved. Dollar Bank sent a strange man not identifying himself to my resident asking me to sign a check. I refused. XX/XX/XXXX I received a letter from the State of Ohio Unclaimed funds about a claiming funds and submitting documents. I then gathered the documents requested and sent it to them. However, now they are stating that I need to contact Dollar Bank for a letter because they have claimed rights to the funds the same amount of the check that the strange man ask me to sign in XXXX. I contacted Dollar Bank and was told the person is working from home. No response at this time. Please assist in this matter. Thank you in advance.
Product: Consumer Loan

I returned a Lexus XXXX Leased vehicle to the local Retail Dealership. They sent the car to Lexus Financial Services who mailed me an Invoice date d XXXX/XXXX/16, for excessive wear & tear on the vehicle for {$980.00}. In addition, they continued to charge my checking account after I returned the vehicle for another {$590.00} payment. I have called them 7 times requesting a report, my account to be reviewed as there was no damage. They
Product: Mortgage

Pages 1-2-2a of the attached correspondence to PHH Mortgage summarizes my complaint, and its denial of my request. PHH assumed servicing of my deceased father 's reverse mortgage in XXXX of this year from XXXX XXXX  I am a co-executor of my father 's estate and the Personal Representative of his life estate. 

My father passed away in XX/XX/XXXX. I notified XXXX of his passing, indicating that we would be selling the home Per XXXX 's instructions, if additional time was needed to sell the home ( att page 3-4 ), I again contacted them requesting as such in order to complete a sale ( att # XXXX  ). The MLS listing was provided. I received no reply to this letter. 
On XX/XX/XXXX, I contacted PHH, now the servicer, advising that a purchase offer had been accepted, and that we anticipated a closing in late XXXX. I requested a payoff statement at that time. I received no reply until 5 weeks later ( att # XXXX ). Unfortunately, when finally received, the payoff included {$3000.00} in previously undisclosed fees ( XXXX ) I believe we precisely followed the FHA servicer 's instructions, but unfortunately never received replies to any of our correspondence. The total lack of timely communication by both servicers caused this problem. As an aside the XX/XX/XXXX letter which PHH claims it never received, was sent electronically to BOTH XXXX and payoff @ phhreverse, com, per PHH instructions. *
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX, MI. XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute Regarding Experians Mishandling of Credit Report Investigation To Whom It May Concern : I am writing to formally file a dispute with the Consumer Financial Protection Bureau regarding the sham investigations conducted by Experian in response to my attempts to correct errors on my credit report. These errors pertain to an accounts listed under XXXX XXXX XXXXXXXX XXXX account number XXXX. XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX  bankruptcy account number XXXX Despite multiple attempts to dispute these inaccuracies, Experian has failed to conduct a thorough and proper investigation as required by the Fair Credit Reporting Act ( FCRA ). The credit reporting agency has continuously upheld incorrect information on my credit report, causing undue harm to my financial reputation and well-being. 

Below are the key issues I have encountered : 1. Failure to Perform a Meaningful Investigation : Experian has not provided any substantive evidence to support its conclusions in my disputes. Its responses lack transparency and fail to address the specific evidence and details I provided.

2. Verification Procedures Appear Inadequate : It appears Experian merely rubber-stamped the creditors data without properly verifying its accuracy. This behavior demonstrates a lack of compliance with the obligations outlined under the FCRA. 
3. Ongoing Damages : The inaccurate reporting of this account has adversely impacted my credit score and ability to secure financial opportunities. 

I kindly request that the CFPB intervenes and investigates Experians dispute-handling process in this matter. 

I ask the CFPB to hold Experian accountable for its obligations under the FCRA and to ensure that my credit report reflects accurate and verified information. Additionally, I request a formal review of Experians investigation practices regarding disputes to prevent such issues from recurring in the future.

Thank you for your time and assistance. I look forward to your response and resolution of this matter. 

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

I disputed a couple items on my Equifax report on XX/XX/2019. I disputed a violation on a XXXX XXXX account where a charge off is listed with a balance owed. ( see attachment ) which is a violation. When charged off the balance needs to be listed as zero. Equifax was showing a balance due. I disputed it. They affirmed it was correct - a direct violation. I also disputed XXXX reporting a balance owed on a charged off account. This is also not allowed. As you can see from the letter sent to them these are the only violations I sent. However, I received a letter from my OPEN XXXX  XXXX account that says I disputed their reporting which could have jeopardized my account with them and I NEVER EVER disputed this account. So why in the world would Equifax send them a notice I disputed the account when I didnt? WHAT THE HECK??? Equifax in in violation and lying about my disputes by sending a statement of dispute to XXXX XXXX. When I called XXXX XXXX, they affirmed that the attached letter of XXXX XXXX, and XXXX were the only accounts disputed and the Equifax falsified a statement that I disputed my account with XXXX XXXX. Since they have no stake in this matter I called Equifax 2 times and asked to discuss this. They stated call back in 30 minutes both times as their " system was updating ''. I waited 90 minutes between calls as evidenced in attached files. These 3 issues are a total violation of my rights. I have documentation on all of this, and its attached. The only acceptable solution is a statement that they are wrong for stating that I claimed their was a dispute on my XXXX XXXX account as well as to make sure there are no statments on that account stating disputed. Furthermore both the XXXX XXXX Account and the XXXX account that they verified as accurately reporting that are not to be immediately deleted as per the FCRA. I want all this managed immediately. There is no other acceptable solution, however a lawsuit is also a possibility since Equifax has commited 3 violations against me and is harming my reputation with current and future creditors based on their poor business practices. I have disputed XXXX XXXX and XXXX several times and Equifax has failed to acutally do an investigation and prove that their reorting is accurate. They are still reporting inaccurate information.
Product: Checking or savings account

Bank of America I deposited a check from my employer ( a real company ) that has verified the check is not fraudulent along with the issuing bank ( TD Bank ). Bank of America first took 10 Business days to " verify '' the check. Then, they closed my account Mon. XX/XX/XXXX with no warning, no email, no phone call, nothing. After telling them that this is a mistake and has happened to XXXX other employees of the company ( some of which also use Bank of America ) who were all able to get their accounts back and checks verified, Bank of America continues to treat me like I am some fraudster. This issue has also only happened to the minority employees as white coworkers who use Bank of America had no issue depositing the same check. Racism in banking is more alive than ever. 

Bank of America has made me spend over 40+ hours in talking with representatives and being put on hold and now are taking an additional 5 business days for a second review. They are currently refusing to send me any money that is in my account. This is causing me to bounce credit card payments, bills, and many other issues. What Bank of America is doing is illegal. It is my money.
Product: Checking or savings account

Citibank continues to delay crediting the advertised/promised bonus to my account ... .supposedly, they are " researching '' the issue... .without a doubt, this is the worst bank that exists ... ..they lie, delay, and are unethical!
Product: Debt collection

On XX/XX/XXXX, I received communication at my location information from BRIDGECRESTXXXX XXXX XXXX, an unknown third-party debt collector, that had a name that is not legally mines however had my property listed in the communication. The communication had language was obscene and threatening to me. Language threatening to steal my automobile if I did not pay them. These threats and demands caused me immediate XXXX and concern as I have no contract with BRIDGECREST/XXXX XXXX XXXX, nor have I had any communication with BRIDGECREST/XXXX XXXX XXXX to give them consent to have my nonpublic personal information. BRIDGECREST/XXXX XXXX XXXX has used my nonpublic personal information to commit identity theft to create a debt in a name that is not legally mines. BRIDGECREST/XXXX  XXXX XXXX has committed fraud in an attempt to collect on an alleged debt for which I do not owe. These actions have caused me to be anxious and distraught. BRIDGECREST/XXXXXXXX  XXXX XXXX has illegally furnished this fraudulent account to my consumer reports. This inaccurate information is weighing against my credit standing, credit worthiness, credit capacity, character and reputation. These willful intentional acts are criminal in its means. I have filed a police report with my local police department, XXXX XXXX XXXX Department Report # XXXX and with the Federal Trade Commission Report # XXXX. BRIDGECREST/XXXX  XXXX XXXX has violated several federally protected consumer credit protection laws under title 15 chapter 41 and several federally protected crimes and procedures laws under title 18. On XX/XX/XXXX I mailed BRIDGECREST/XXXX XXXX XXXX an affidavit of truth with exhibits verified under the penalty of perjury, a cease and desist demanding all communication to cease, a debt validation letter pursuant to 15 USC 1692g and an invoice for all damages and actual damages they have caused. I also included a copy of my police report filed with my local law enforcement agency and a copy of the identity theft report I filed with the FTC. I have attached a copies of all the documents that was sent along with a copy of the mail receipt.
Product: Money transfer, virtual currency, or money service

Hello, For over a year now, I have been trying to trace a check or international wire transfer, coming from XXXX to my US Wells Fargo account between Fall XXXX XX/XX/2006, for an amount between {$10000.00} and {$15000.00}. 
I have filed 3 inquiries with Wells Fargo. None were followed trough or resolved.

I understand an archival search, for which I am ready to pay for, is necessary. But I can not get Wells Fargo to do it.

Can you help, please?

Looking forward to your reply.

Thank you.

Regards
Product: Mortgage

I have had multiple mortgages through multiple companies. I am always set up on the auto-payment systems and typically pay additional toward the principal each month. My husband and I closed on our current house in XXXX and were aware the first payment would be due XX/XX/XXXX. I waited for the mail to find out where the mortgage was sold to so I could set up payments. When I received this mail, I immediately set up my account with M & T Bank and enrolled in auto-payments set to draft prior to the monthly due dates. A couple of months later, my husband and I received a door hanger one Friday afternoon from the bank with no additional information. I called the bank that day only to be hung up on after XXXX with no option to call back until Monday. I still had no idea what the matter was because the representative confirmed I had auto-payment set up ahead of time. Then, we received mail that our account was delinquent and that we could lose our home. I had to call just days after the complicated birth of my child to speak to someone and get the payments up-to-date because the auto-payment system never drafted. I was told to make sure the payment went through prior to the first of the month so the auto-payment system would kick in. The payment went through, and a couple months later, we received the same mail saying our account was delinquent and that we could lose our home. I had to call again and was told the previous payment hadnt processed far enough in advance of the next payment date for the auto-payment to kick in, so it never drafted, late fees were added, and we were reported to the credit bureaus. No notice was ever given to me that my scheduled payments were not drafted. This second call to get my account up-to-date was made multiple weeks before the next payment due date. My account was current well before the next auto-draft payment for the XX/XX/XXXX payment date. I just checked my account, and not only did the system not draft the payment, but another late fee has been added to the account. 
I am filing a complaint against M & T Bank for being a fraudulent company using a known flawed auto-payment system in order to incur regular late fees on accounts. The lack of communication and notifications through their system and the harassment, threats of taking our home, are unprofessional, unacceptable, and are not good faith practices of a company holding mortgage accounts. I have never come across such systems/ issues out of all past mortgage accounts I have held.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACTXXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES | 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to the company on XXXX XXXX, 2017 requesting documentation supporting their permissible purpose in accessing my credit files with all three Credit Reporting Agencies. Their response was simply a verification that they had accessed my files, but no supporting documentation was sent. Lacking permissible purpose, these inquiries should be removed.