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

Hard inquiries needs to be removed. XXXX XXXX XXXX are reporting hard inquiries. I never inquired about. I was asked to send a picture of the hard inquiries. I already gave the information that I seen it was stating and gave the dates. I should not have to send a picture when my rights were violated by running this credit check without my permission or consent, it seems like the bank would like me to make it easier while still not helping remove whats wrong you make it harder for me to get this removed and is unfortunate this is the third time XXXXm now demanding for it to be removed. This bank has no regards for rights protected by the fair credit reporting act and consumer laws having no respect for my request as I will be taking further action due to the hard inquiries affecting my ability to move further with life and my pursuit to happiness in getting extended credit due to The numerous hard inquiries from XXXX bank could somebody please look into this and take action on behalf of the bank in respecting my request by protecting my rights by following The law is put in place for consumers .. thank you
Product: Consumer Loan

I received a car loan in XX/XX/XXXX. It was co-signed with an ex-boyfriend. In my stupidity, I thought that the split was going to be civil and we were going to help each other out. However, this was not the case. After telling me he would make the payments until I got on my feet, he defaulted on the payments and the car was repossessed XX/XX/XXXX. However, CNAC reported that there were late payments all the way up till XX/XX/XXXX. This was not the case by any means. I had spoke with the company personally and all I received were threats and no resolution to the problem. They refused to answer any questions I had or removed the incorrect information from my credit report. Also, they say a payment was made in XX/XX/XXXX and there was no payment made by me since XX/XX/XXXX. The gentleman I dealt with was extremely rude and just flat out hateful. On top of that I was emailed by the company with someone else 's personal information that included their name, address, birth date and social security number. When I called them very concerned that my personal information as well I was brushed off and was basically told they would not talk to me about it. They have done nothing to fix any of the problems that I have had with them.
Product: Debt collection

This initial debt goes back to my old property down in XXXX XXXX NV, initially owned by XXXX XXXX XXXX and now owned by Zion Debt Holdings who purchased said account. Initially, I have spoken to XXXX, XXXX XXXX XXXX XXXX XXXX who harassed me over the phone when I told them multiple times that this contract was passed on to the new owner. 
The listed complaint in question is for address XXXX XXXX XXXX, XXXX XXXX NV XXXX on XXXX and the property was sold. 

As per the Nevada Real Estate Residential Purchase Agreement.

FIXTURES AND PERSONAL PROPERTY : The following items will be transferred, free of liens, with the sale of the Property with no real value unless stated otherwise herein. Unless an item is covered under Section 7 ( F ) of this Agreement, all items are transferred in an AS IS condition. All EXISTING fixtures and fittings including, but not limited to : electrical, mechanical, lighting, plumbing and heating fixtures, ceiling fan ( s ), fireplace insert ( s ), gas logs and grates, solar power system ( s ), built-in appliance ( s ) including ranges/ovens, window and door screens, awnings, shutters, window coverings, attached floor covering ( s ), television antenna ( s ), satellite dish ( es ), private integrated telephone systems, air coolers/conditioner ( s ), pool/spa equipment, garage door opener ( s ) /remote control ( s ), mailbox, in-ground landscaping, trees/shrub ( s ), water softener ( s ), water purifiers, security systems/alarm ( s ) ; Section 7 ( F ) Listed the alarm. 

I have contacted XXXX and have told them multiple times that there was a new owner and to be in contact with them. They continued to call to collect. 

In addition, the two subsequent companies, now Zion Debt Holdings who's holding the contract. 

The contract in question doesn't have a note that I have sold the contract and/or contacted the company to cancel. 

Now, Zion has arbitrarily placed a collections mark in my account dropping my credit score hurting me financially as I can not get any type of lines of credit and/or corporate credit cards affecting my work. 

I have nothing to do with this debt and I want this removed from my credit and this company to cease and desist from contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my collections with the understanding that all the derogatory marks would be removed and none of it would show on my report. They are still showing and its hurting my credit score. I honored my agreement and I would like them to honor their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account status on this account is incorrect. This account is too old to remain on my credit file. The date of the last activity is over 7 years old. The account I am disputing is : Account : XXXX XXXX XXXX XXXX Balance : {$8900.00}
Product: Checking or savings account

On XX/XX/2021 I logged into my Bank of America account to find that my checking and savings account were both missing with a combined amount of {$32000.00}. 
I spent the next 12 hours on the phone, on chat and even at the local branch trying to get answers. All they tell me is its in the closing process and it takes a certain amount of days and you will get a letter in the mail with more info. 

All my paperless statements are gone. I have pending chargebacks that they wont tell me will happen with. They refuse to tell me anything and have reverted to snail mail when all they ever do is badger you to go paperless for all your statements and pay your bill online in seconds. But when its time 6l give you your money back its horse and buggy time.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX  was never late ! I have had exceptional payment history with XXXX XXXX, XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reporting late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I applied for the Chase Southwest Airlines visa card while on a SWA flight. 
My credit is frozen and I expected to have to unfreeze my credit report at one of the 3 credit bureaus. 
I waited for the letter from Chase asking me to unfreeze my credit. 
I received a letter at my home address dated XX/XX/2019 from Chase asking me to unfreeze my credit with XXXX. This letter listed reference number : XXXX I unfroze my credit with XXXX  on XX/XX/2019 and called Chase at XXXX Chase refused to send text verification to both of my phone numbers. 
1. My work phone which is not in my name but my company name. 
2. My home phone which was ported from an XXXX to XXXX XXXX last year. 

I received a 2nd letter at my home address ( same reference number ) dated XX/XX/2019. 
This letter was from their fraud prevention services and stated that my application was declined because they could not verify my information. 
On XX/XX/2019 I called fraud prevention services at XXXX but was not given any additional reason for the declined application. 
Chase is discriminating against users of non-traditional telephone services such as XXXX XXXX. 
My credit score is above 800 and I should not have been denied this credit.
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 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 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 ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I applied for credit with discover card XX/XX/2020 and was approved for {$750.00} credit limit. I received my card and start utilizing it. On XXXX XXXX I noticed a drastic change in my credit score because of issue with my credit card. So I called discover card services and was advised that they needed to verify additional information which was very vague and not specific in detail. Discover card advised me that I would receive email for verification and I received XXXX  docsign IRS 4506-t. At that point I was advised that a hold would be placed on my account. I made a payment on XXXX XXXX for the amount of {$640.00} as my payment is due on XXXX XXXX. I currently receive XXXX income and due to this reason I was discriminated against because of my XXXX income and discover card used my XXXX income against in extending credit to me. As a result my account was closed. My credit score dropped tremendously. When I can call or chat to get more information limited information was disclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance is reporting a debt that is not mine. I contacted them today they could not give me any information regarding the loan. I never had a loan with this company. We are trying to close on our house XX/XX/15, hindering my ability to close. Loan number XXXX. I called XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted to Equifax two disputes involving XXXX XXXX. XXXX XXXX Auto Finance is incorrectly reporting an account with Equifax and I provided documentation and full credit reports to display the inaccuracies and request deletion. I also disputed a XXXX XXXX credit card that was incorrectly reporting late payments which I requested to be changed to paid as agreed. I also included payment verification from my bank proving I was on time. Equifax says they did an investigation of my claims in both cases but they did not address and of the errors of delete and fix the accounts in question as I asked for. They have not fulfilled their obligations under the Fair Credit Reporting Act so I am filing a complaint. 

Thanks XXXX XXXX
Product: Checking or savings account

Before detailing the full scope of my situation with Navy Federal Credit Union ( NFCU ), : my XXXX funds, which are protected under federal law, have been wrongfully seized through a setoff by NFCU. 

The Situation : Last week, I received an email indicating an unspecified issue with a check deposit I made, leading to my account being restricted. Despite the lack of clarity on the issue, NFCU has since taken extreme measures that have dismantled my financial security and left me in a precarious situation with no regard for my well-being. All my automatic payments have been halted, and I have been left with no access to my funds. As a result, I was unable to pay my bills and could not move into the apartment I had secured for XX/XX/XXXX, leaving me on the verge of homelessness. 

I am now facing the loss of all my possessions in storage, imminent disconnection of my phone, and the complete inability to communicateespecially with NFCU. As a diabetic, I have been surviving on cheap snacks and fear that hospitalization is inevitable. This situation is a direct result of NFCUs failure to act with care or concern. 

Attempts to reach a resolution through NFCUs customer service have been met with cold indifference. Representatives have shielded the institution 's actions rather than facilitating any meaningful assistance. Despite having conveyed that I am the victim of fraud, their response has been to punish me further by removing my XXXX benefits from my account to cover a debt in another. I was instructed to fill out a form and wait XXXX to 45 days for a responsean unacceptably long time to be left financially crippled and in danger. 

Violation of Federal Law : 38 U.S. Code 5301 explicitly protects veterans XXXX benefits from assignment and seizure. These benefits were not lost due to an overdrawn account ; they were removed to cover a debt, which constitutes a setoff. This action directly violates federal law, as these benefits are designated solely for the support of veterans and their families. Given NFCUs roots in serving military members, one would expect a higher level of respect for these protections than from other financial institutions. 

The amount taken was XXXX and the date was XX/XX/XXXX 30th
Product: Credit reporting or other personal consumer reports

Columbia Debt Recovery XXXX XXXX XXXX was informed last month via CFPB that the alleged debt reporting on my credit report was inaccurate, and they were asked to remove the account and remit payment for the number of violations. They proceeded to send paperwork that does not match the balance on my credit report, nor does it state that I entered into an agreement with them. I contacted the original creditor and the documents sent to me does not align with those of the collection agency. Furthermore, this collection agency XXXX is not active in the state of Texas, which I will attach to this complaint for reference. Lastly, the original creditor, XXXX XXXX XXXX, was involved in an XXXX lawsuit last year due to price fixing and other violations. I am under the impression that both companies are involved in illegal practices. I am once again demanding the removal of the following account before this is escalated to legal measures. Again, the payment for the violations of your company is to be remitted to the address on the invoice. Your paperwork claim that the alleged debt is {$5300.00}, yet my credit reports each month says something different. Currently, it is stating a balance of {$5300.00}. This also does not coincide with the paperwork from the original company. You have no license to collect any debt in the state of Texas. I have attached all documents for your reference. This account is to be removed immediately.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had a late payment reporting on an account. The company has made violated legal agreements and I never gave permission to report on my credit report. This company XXXX policy clearly states they will only report on-time payments which I also didn't authorize that. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on the payment for the account ( XXXX  ) hired by XXXX ( Account number XXXX ). Please investigate this matter and provide proof that this company acted in compliance with contract and policy. If proof can't be provided I demand this account be removed completely from my credit report or updated to on time. Law states that reporting should be accurate and attached documents show inaccuracy. Thank you for looking into this matter.
Product: Mortgage

I started to request requesting my PMI to be taken off my account. Each time i have to reach out to a generic email box. I have now been trying to work this out with them since XXXX and i have had to make 5 payments as a result. It literally takes 25-30 days for anyone to respond in between each response.
Product: Student loan

I have been paying on my student loan since XXXX. The balance is still high so I contacted the loan company for my payment history. They have not applied any of my monthly payments to my principal until XXXX. The original loan is for {$30000.00}. Is it legal for a company to only collect interest if thats not the type of loan Ive agreed to? Even if it was a tiny amount something should have ALWAYS been applied to my principal. 

As of right now, I have paid {$23000.00} on a $ XXXX loan and only {$5000.00} has gone towards my principal. I have about 10 more years left if I dont pay it off ahead of time. My interest rate is only 5 % and one portion of the loan is XXXX. 

Is this legal? Like I said, I know interest is high in the beginning, but nothing was taken out for my principal for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lost wallet : bank/credit/SSN cards removed
Product: Payday loan, title loan, or personal loan

I contacted  Loan  Me, an on-line lean company. In setting up the loan, I was asked to give my router number to my checking account so the loan could be deposited. After that I was told to purchase  XXXX  itunes cards,  XXXX  for  XXXX , the other  XXXX . Then I called the phone number given to me (  XXXX  ) and read the numbers over the phone. I was told at that time that  XXXX  had been put on my credit card. This was to be given back to the loan company via  XXXX . This would show good faith in paying back the loan. I was instructed to go to  XXXX  and purchase the  XXXX  which I did for  XXXX . A check was sent to me for  XXXX  but the bank did n't cash it. Another check came for  XXXX  but was not cashed. A third came that was made out to  XXXX   XXXX  whom I do n't not know. I am contesting that I did n't authorize the money on my credit card and I want  XXXX   XXXX  to put it back in my account. My accounts have been closed and I have received a new bank card, but have not been reimbursed for the  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted a dispute, certified mail, received a dispute result update report number XXXX XXXX from Experian on XX/XX/XXXX on the report there where 9 items which i disputed, please see pdf on Experian report on XX/XX/XXXX received dispute update for report number XXXX XXXX with 8 items verified, but one did not show on report XXXX XXXX XXXX   acct # XXXX. I call Experian on XX/XX/XXXX to request why XXXX XXXX  was not updating my credit report according to FCRA they had 30-45 days to update disputed information. There respond was they do not have to do an investigate just submit to lender to verify. THAT IS NOT true. a reasonable investigation must have been performed. They lied and gave me mis-information. I enclosed the proof for you to review.
Product: Debt collection

On XX/XX/2020 I noticed two different accounts on my credit reports that I did not recognize from LVNV Funding. I realized I had never received a notice of the right to dispute regarding these collections. That same day, I sent LVNV Funding a letter to validate each of the accounts. I have a certified return receipt that XXXX XXXX signed for my letter on XX/XX/2020. In the 30 days that followed I did not receive any documentation validating either debt. I checked all three of my credit reports and they failed to mark either account as disputed. On XX/XX/2020 I sent a follow up letter stating they failed to validate the debt, neglecting to send any documentation and requesting to have the accounts removed from my credit reports immediately. My XXXX letter was received certified return receipt on XX/XX/2020, also signed for by XXXX XXXX. Again, I received not response and the accounts were still not removed. I sent all of my documentation to the 3 credit bureaus and again it was not removed. 

Over a year later I received a letter that a law firm XXXX XXXX XXXX XXXX that they were now handling one of the accounts and provided a packet of information regarding the account. I sent them all of my documentation that LVNV Funding failed to validate the debt. The law firm proceeded to file a lawsuit against me for one of the accounts. At the first court hearing the lawyer from XXXX XXXX XXXXXXXX was very arrogent towards me, telling me that it didn't matter that XXXX didn't follow the validation law upon receiving my letters or the fact that they failed to validate the debt. He stated I now needed to settle the debt with his firm.
Product: Credit card or prepaid card

Hi, I have reached out to XXXX  and XXXX  directly to show that i have a XXXX XXXX  card with Comenity bank ending XXXX which is open and its not being reported to them. I also contacted Comenity Directly to resolve the issue and as of today they are still not reporting my account. They confirmed they closed my old account and re-opened a new account. my 2nd issue is I have a closed account that was in good standing with Comenity as well with NY and Co that is not reporting i have sent 3 communications and not action
Product: Payday loan, title loan, or personal loan

Grain provides a revolving line of credit that you can access through your existing debit card without issuing a physical card. This approach empowers you to use what you need for your day-to-day, build good credit, and ultimately gives you more ownership over your credit. What happens this company does not tell you is, how they are keeping your personal information and will not allow you to pay your balance in full or any other higher amount besides the minimum payment due. This company has kept numerous people personal information including, SSN, addresses, DOB, bank accounts and most of all dropped individual credits tremendously. I have requested to make a payment to this company and was blocked. Grain would kick individuals out of the system by unlinking their bank accounts that was provided to make payments and drop the customers credit score. I have called customer service and e-mailed Grain numerous times without receiving a response back. The company has made it impossible to cancel their app without paying in full thus creating a deceptive practice.