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

XX/XX/year> sent a letter certified mail requesting personnel information follow up letter. 

Ive been in communications with ( XXXX, XXXX or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; List inaccurate information here List inaccurate information here List inaccurate information here List inaccurate information here My only name is________ My only address is___________
Product: Credit reporting, credit repair services, or other personal consumer reports

I've obtained a copy of my consumer credit report the major three credit bureaus and making sure the information was accurate according to USC title 15 168 ( 5 ) I've waited 30 days to receive the investigation results which everything was still reporting the exact same as the previous month. The credit agencies XXXX, Experian and XXXX did not complete and modify or remove items on my credit report. 

The primary information being reported are not correct such as the open date, date last active, date of payment history. 

These are violations of the Fair Credit Reporting Act, which is harming me from purchasing a home for my family. 

These accts are : XXXX XXXX # XXXX, {$670.00}, {$240.00} and XXXX XXXX XXXX # XXXX {$32000.00}
Product: Checking or savings account

l'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 transactions.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XX/XX/XXXXXXXX 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

I have contacted the 3 credit reporting agencies to attempt to fix the problem and i have also asked them to investigate each, send me results of the investigation and remove inquiries I did not authorize. Below is the list of the inquiries, the date it shows on the bureau and the credit reporting agency that reported it without my written consent in accordance with USC 15 1681. 

XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX 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 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 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 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 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 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: Vehicle loan or lease

My monthly payment on a XXXX Lexus XXXX is {$1900.00} a month. I did not notice that they used my income and also my Ex partner who was on my previous lease I had with them. Also, they had a market up on the car and I told them to please take that off. Right now I have been struggling to keep up with the payments and I asked a couple of times what can be done. They give me the usual options of trading the car which I cant because I am at least XXXX upside down on the car. They also said have dealer buy it back but it would still be the same situation with owing. What makes matters worse is the car I did a lemon lawsuit on it, and still has same issue but they don't want to take the car back. They have changed the fuel pump system twice, its been at the dealership over 5 times for that issue. Also, the front bumper is separating from the car. The shock absorber went out at XXXX miles.. They replaced the battery a couple months ago and it should have lasted longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I canceled three warranties and on XX/XX/XXXX XXXX XXXX mailed out two checks. One was for {$3700.00} and the other was {$1400.00}. On XX/XX/XXXX, XXXX XXXX  XXXX received another check from the dealership in the amount of {$1700.00} for two other warranty policies that where canceled. I received two statements for XXXX and XXXX saying I have no payments due ; therefore, I did not pay for those months. On XX/XX/XXXX, someone from XXXX XXXX XXXX told me I was late for two months and that my statements was incorrect. Now they reported me late and my credit dropped XXXX XXXX XXXXhis is not fair to me or my credit that they sent me no payment due statements and now trying to backtrack saying I owe. I had a XXXX credit score now I do not because of there negligence. Also, they are saying I owe {$2800.00}. This is causing me XXXX XXXX and XXXX XXXX  because now I have to worry about them repossessing my car and I have XXXX XXXX I have to get back and forth to work and take my children to school and daycare. This is not fair, and now my credit is hurting. I will sue if it is not removed from my credit because this is violating my consumer rights! This is XXXX XXXX error!
Product: Debt collection

DEBT IS NOT MINE. IM A VICTIM OF IDENTITY THEFT. NOTIFIED COMPANY, BUT COMPANY CONTINUE TO REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : DEPTEDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has removed an account that does not belong to me and put it back on. This is harming me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I must start with the CFPB is a godsend when assisting consumers. You helped me resolve getting insurance money that XXXX would not issue me BUT now XXXX will not correct a 30 day late payment that they assured me would not be reported to the bureaus. I 've spoken with the Ombudsman office several times and they tell me the same thing, that its been submitted. I 've called XXXX and Experian ( which is another nightmare in it 's self because of 3 party language barrier ) but I can not get any resolve. XXXX has correct the XXXX XXXX 30 day late. But XXXX and Experian when they try and call XXXX they get a different person every time and a different story every time. Neither XXXX nor Experian will correct the XXXX late payment based on the multiple letters from XXXX to me. They tell me they must verify with XXXX and XXXX will not verify they reported it incorrectly when the bureaus call them. I have that in writing from XXXX with the letter dated XXXX XXXX. XXXX then sent me another letter on XXXX XXXX stating they did not report incorrectly but as a " courtesy '' will report it as current. None of which has happened. I luckily was able to refinance my home with a local lender but had to take a higher interest rate because of this error by XXXX. I have every right to sue them but at this point just want to be done with this despicable company and pray in the near future they will be dealt with by their many victims.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX FIN XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX SAF - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I made a large payment to pay down a promotional balance and avoid the accumulated deferred interest, but they decided to apply the payment toward another promotion resulting in the accrued interest being added to my balance, which is what I was trying to avoid. I call and asked for the payment to be applied correctly and they refused o make any changes to the way the payment was applied, which resulted in an additional @ {$800.00} being added to my balance. The way they applied the payment seems illogical. Why would they not apply a payment in a way that would result in the smallest balance and the least amount of interest. 

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

I have submitted information to Trans Union several times regarding an inaccurate account on my credit profile. XXXX ( XXXX XXXX ). I have submitted request to validate on XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information from the ORIGINAL CREDITOR, they must remove the said information from the consumer credit file. '' I have made several attempts to TransUnion regarding this matter and they respond by verified. I have asked for clarification on how its " VERIFIED '' they need to VALIDATE it! and how it can be verified when this account is not mine, nor could they send me any clarification on whom, what department they spoke with reagrding this matter. Please help me get this resolved with TransUnion
Product: Student loan

My total loans were $ 71K+ subsidized and unsubsidized at a fixed rate of 6.8 % - I was on 1 year Economic hardship forbearance since last spring Until XX/XX/2018 I was informed I was going to be billed > $ 26K of accrued interest - which If I didn't pay it would be added to my loan balance. 

I am at 6.8 % - that should have been an increase of less than or around $ 5k and now my loan is {$98000.00} - From $ XXXX - 1 year accrued interest that is supposed to be at 6.8 % and they charged and added > $ 26K to my loan balance. 

I wrote them and emailed from their site and I have heard nothing. 

I used XXXX XXXX 's website and looked at there " understanding your interest '' section - below is copied directly from XXXX XXXX 's page about how to figure your interest accrual : " How To Calculate Interest To calculate your daily interest accrual, use the following formula : Interest rate current principal balance number of days in the year = daily interest '' So, my fixed rate multiplied by the loan total since last payment : 6.8 % * {$71000.00} / 365 = {$13.00} daily interest -That is the daily interest accrual for my loan. 

My interest accrual of course would have been the entire 365 days while on hardship - which comes out to {$4800.00}. 

They added > {$26000.00} of " accrued interest '' to my loan. That is an increase that equals >32.62 % of my entire loan value. They have not responded to my email questioning it. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out on different occasions to address the different companies listed on my credit report that should be reporting positive and not negative because they were filed in a XXXX  XXXX bankruptcy. I need this information corrected as quickly as possible. The following companies XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  Dept. of EdXXXX. There is also alot of closed account that are outdated that should have been removed from my credit report. XXXX XXXX XXXX, Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Experian recently sold my personal information to mortgage lenders resulting in me being bombarded with marketing calls costing me time, cell data and usage cost, and a major annoyance. They did this despite the fact that I was already registered on the FTC XXXX list as well as already being registered on Experian 's own XXXX and " do not sell '' list. They are breaking Federal and California privacy laws. How do I hold them accountable. 

Experian - Shame on you! As a credit reporting agency you are supposed to protect American 's credit and privacy. Shame shame shame!
Product: Credit card

I have made payments on my credit card on the payment due date and recently found out that I have been charged late fees for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I spoke with a representative on the phone. I had a summary and confirmation of payment showing that payments were made by me on the due date of every month ( the XXXX ). 2 of them were approved. 4 of them were submitted for approval to be credited back and they were declined.
Product: Checking or savings account

Security over online banking is important. It is even more important when it blocks the true account holder from using the account. SunTrust bank, now Truist Bank, suspended my online checking account on XXXX. I was having trouble making XXXX bank transfers. SunTrust sent me an email to contact them by telephone. 

After spending most of the day speaking to 6 or 7 Sun Trust representatives through their telephone tree, hearing that I did not have to continue in the tree if my account was blocked, speaking to a different representative every time, repeating the same issues to different representatives, being cutoff several times while a SunTrust representative attempted to verify my telephone landline phone number through a voice authentication system my account was suspended. 

I could not access my account. The last recommended solution was to remove robo call blocking from my telephone or to visit a SunTrust branch. There are no SunTrust branches in New Jersey. 

SunTrust has no email contact number on its online banking website. It lists no employee by name or physical mailing address for contact. The system appears to be designed for telephone communication only and to eliminate the documentation of poor decisions. 

The next day, XXXX I received an email that my account had been reactivated. There was no reason given. There was no documented reason given for the account suspension. I had to trust that Sun Trust acted properly. Now with access to my account and increased motivation I could access the details in my account profile. I saw that the date of my last password change was in XX/XX/XXXXand that old telephone numbers had not been deleted. Possibly there were other errors in SunTrust information for me, but I do not have access to this. 

Based upon this experience my questions for financial regulators are the following : 1. What special controls do financial regulators have over online banking? 
2. What state regulations apply to online banks that are not licensed in the state? 
3. What reasons are justified for suspending an account? 
4. How can a customer contact a bank if no contact address is provided by the bank?
Product: Credit reporting

Experian is false reporting ID theft and misleading information of bankruptcy and inquiries. All related information to this matter has been given to Experian XXXX times over as to police reports of ID theft and false reporting of bankruptcy given. Experian continues to report financial harming information. Please you assistance is greatly needed. 
Thank you, XXXX XXXX - Contact # XXXXXXXXBelow are the dates when information has been sentXXXX XXXX, 2015 mailed & emailedXXXX XXXX, 2015 mailedXXXX XXXX, 2015 mailedXXXX XXXX, 2015 mailed & emailedXXXX XXXX, 2015 mailed & emailedXXXX XXXX, 2015 mailed
Product: Mortgage

I was told that I was supposed to be put on a community well until the city water become available. It has been 11 months. During this time other people got moved in on this " community well '', My animals got sick, My kids got sick, my clothes got bleached, my health was affected. Anyways I found out that 1 I don't have a community well, 2 I won't get city water until the developer complies with the rules and regulations, 3 apparently XXXX XXXX has some money put aside to pay for this I never knew IDK how much that is. 3 there's no water test there's no well that I can find that was tested to make sure it was ok. I don't know if this water I am using is safe for my family. I got a land developer, a septic installer, and a site contractor that all one person but hey I guess XXXX makes you a XXXX of all trades. 

XXXX, XXXX XXXX you guys are the worst. Then I go to the county to pull the permit records and XXXX this fool signed off on the permit that I was on city water?!? its just one thing after another
Product: Credit card or prepaid card

I've asked repeatedly to close this account, once and XXXX then in XXXX, they failed to do so even after my last complaint to CFPB. This has affected my credit, and at this time I'm requesting that they remove the last late notation from my credit report as this should've been closed
Product: Credit reporting or other personal consumer reports

In, accordance with the Fair Credit Reporting Act Experian and Experian Fraud services has violated my rights. Inaccurate reporting 15 USC 1681. Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency ( Experian ) can not furnish an account without my written instruction of permission. 15 USC 1666B. Also as a consumer per 15 US code 1681n : Civil liability for willful noncompliance. In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. XXXX XXXX XXXX XXXX open date XX/XX/XXXX balance : {$23000.00}. XXXX XX/XX/XXXX balance : {$1800.00}. XXXX XXXX  open date : XX/XX/XXXX. {$1000.00}. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX Balance : {$4000.00}. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, balance {$2000.00}. XXXX XXXX XXXX  XX/XX/XXXX, {$1800.00}. XXXX  with numerous innaccurate reporting. open date XX/XX/XXXX balance {$6000.00} i did not consent nor authorize Experian or this company to run my credit or use my social security number. I would like to be reimbursed {$1000.00} per violation. Please delete Negative fraud inquiries and non mailable address. Fraud inquiries include XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX. Non mailable fraud address XXXX XXXX XXXXXXXX XXXX Tx XXXX. Experian and the corresponding accounts reported are also in violation of 15 US Code 1681c-2 Block of information resulting from identity theft. These accounts are all related to identity theft i have provided the necessary documentation under this law and the accounts still remain on my report.