23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried solving this issue with XXXX XXXX and the three major credit reporting agencies before. XXXX has already deleted the account for violation of federal laws but XXXX and Equifax continue reporting. I am attaching the updated and new information, also : XXXX financial was deleted from XXXX because in fact, they are violating federal law, by reporting negative information and treating payment as late when they cant pursuant to 15 USC 1666b. I WAS NEVER LATE. You can see the inconsistencies between the updated reports from XXXX and Equifax. 
How can both credit reporting agencies have verified and validated the information when THERE ARE SO MANY DIFFERENCES. how can a so-called late payment be late 60 days without being 30 days first, how come the same creditor provide so different information across XXXX and Equifax, yet XXXX has deleted it. They all might have different investigation processes, however, the information sent to them HAS TO BE THE SAME, OR AM I CRAZY? 
THIS NEEDS TO BE DELETED IMMEDIATELY FROM MY REPORTS. THIS IS DEFAMATION OF MY CHARACTER! 
I have requested plenty of times before for Ally financial to send me the history of payments, the ledger, EVERYTHING used to " validate '' this account, and the " accuracy '' of said payments AND I AM STILL WAITING FOR IT!!!!!!!! Everyone has wiped their rear end with my demands, everyone is still violating the XXXX federal laws, and here I am the federally protected consumer hurting and being affected not only financially but emotionally and NO ONE DOES THE RIGHT THING, NOR WHAT IS REQUIRED BY THE LAW
Product: Mortgage

MY MOTHER PASSED AWAY ON XX/XX/XXXX I AM THE ONLY CHILD AND HEIR TO HER ESTATE. IT TOOK ME OVER 9 MONTHS TO FIND HER WILL AND GET THE DEATH CERTIFICATE. I SENT DITECH FINANCIAL LLC ALL DOCUMENT REQUIRED BUY THE STATE OF KANSAS MY RIGHT TO THE MOBILE HOME THAT ME AND MY MOTHER LIVED IN. THEY KEPT ON COMMING UP WITH OTHER FORMS I WAS REQUIRED TO FILE AND WHEN I CHECKED WITH THAT STATE OF KANSAS ATTONEY GENERALS OFFICE I WAS NOT REQUIRED TO HAVE THIS FORM. DURING THIS TIME THE HOME WAS FOR CLOSED ON AND I HAD TO GET OUT OR LOSE MY OWN POSSESIONS. THIS WAS XX/XX/XXXX. I DID GO TO COURT BUT IN THE JUDGES DESIOIN HE GAVE THE HOME TO DITECH. THEY HAVE CONTUIDE TO SEND BILLS AND NOW THEY SENT A LETTER STATING THEY BOUGHT INSURANCE IN MY NAME WHEN I CALLED AND IT WAS RECOREDED BY THEM I WAS TOLD AS HEIR SINCE MY MOTHERS DEATH IT WAS BUT IN MY NAME BECAUSE THE HOME WAS NOW MINE. HOW CAN THEY HAVE IT BOTH WAYS, THEY TOOK MY HOME SAYING I HAVE NO RIGHT AND BUY INSURANCE IN MY NAME. THE INSUANCE COMPANY IS OWED BY DITECH.
Product: Mortgage

I recently applied for a HELOC modification with Bank of America. I use to work in loan modification, so I know / knew to only submit the request if I fit the guidelines. I was told that my income was XXXX per month. I have asked several times where and what numbers did they use to get that figure because my employment income is {$32000.00} a year ( XXXX per month ). My HELOC payment went from {$180.00} per month to {$440.00}. I want to pay this loan, but ca n't afford that much of a increase. During the process I was subjected to numerous request for the same docs over and over, to find that the REP gave me the wrong fax number. It was mentioned to me that some of the docs I sent was placed by the scan team in the wrong place. This could be the reason for the inflated income. Perhaps they used things for income that just is n't true. I have one job, the income should be easy to calculate. I have detailed dates and times and request I received from them with confirmation of docs being sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 some nefarious criminal who had somehow gotten a hold of my SSN and home address opened a credit union account in my name. 
I subsequently worked with XXXX XXXX XXXX XXXX ( XXXX ) to close the account, reported it to the local authorities and my credit monitoring agency, filed a fraud report with the Federal Trade Commission and had my credit frozen by all three credit rating agencies. 
I then filed disputes with the credit rating agencies to get the XXXX account removed from my credit file, because it was opened fraudulently and should not be on my credit record. 
However, all they did was verify that it was 'valid ', which it most certainly was not, and frankly, my SSN was probably compromised by the Equifax breach a few years ago. 
I need the record of this illegally-opened account purged from my credit record, so I am reaching out to the CFPB to do this. 
It's just criminal that a tax-paying, law-abiding American citizen gets his identity at least partially stolen and no one cares or will do anything about it, so the least that could be done is to expunge this XXXX account from my credit record. 
Thank you, XXXX XXXX
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 significant fines when transactions were authorized, I was charged fees due to a lack posting charges and credits. This issues at XXXX with the recent CFPB findings against Navy Federal for similar practices where transactions saddled with insignificant balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

On XXXX XXXX I received an alert that a new account had been added to my credit report. I immediately disputed with all three credit agencies and sent out a debt validation letter to XXXX XXXX. One week later I receive a print out on their letter head ( unacceptable since this is not my debt ) XXXX deleted the account but XXXX and XXXX did n't budge. The last name on the account is XXXX ( not my name ) I never received a dunning letter, a phone call, a bill Nothing. Just a surprise account that was previously deleted because the collection agency before could not validate this bill. This has caused tremendous backlash on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent Experian a follow-up letter requesting Method of Verification as they had verified an inaccurate account as being listed as accurate ( XXXX ). 

According to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Based on my certified mailing tracking record number XXXX Experian received the letter on XX/XX/2020. It is now XX/XX/2020 and I have received not received their Method of Verification within 15 days of my request. By not replying in a timely manner to my initial letter Experian has not only violated federal law, but has also failed to provide me with a copy of any viable evidence showing the account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. 
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 payments for the account : XXXX XXXX XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all XXXX credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX  Inquired on XX/XX/2022, XXXX Inquired on XX/XX/2022, XXXX Inquired on XX/XX/2022.
Product: Mortgage

Today I received an email claiming that I had requested a chat session with MR Cooper. I made no such request. I had previously requested not to be contacted by any of their automated systems, as well a phone number that goes directly to a person because the automated systems they provide do not work. 

Since ( and before ) that time I have repeatedly contacted by Mr Cooper. Mr Cooper assured me that I would not receive any more automated contacts. As far as I can tell they have not made any significant effort to that end.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my account which might have been conducted by companies without my permission. I request a thorough investigation to understand how this happened and to ensure it doesn't occur again.
Product: Credit reporting or other personal consumer reports

I HAD IDENTITY FRAUD AND A FRAUD ALERT ON MY CREDIT REPORT. CAPITAL ONE HAS NOT REMOVED MY CLOSED ACCOUNTS FROM MY CREDIT REPORT. I NEED CAPITAL ONE TO REMOVE ALL OF MY OLD CLOSED ACCOUNTS FROM MY CREDIT REPORT.
Product: Payday loan, title loan, or personal loan

Consumer Financial Protection Bureau, I was sent mailers from Americor about personal loans and a personal loan with a 0 % APR for 12 months. I set up an appoint to talk to a representative from Americor and was unfortunately assigned to XXXX XXXX, whom in my opinion should be loan originating any type of loans due to his deceptive tactics of relaying any type of information to consumers, who have applied for personal loans through Americor. 

XXXX XXXX preformed a soft pull on my credit report on XX/XX/2020, which he stated would determine the out of my loan process and would call me back within 45 minutes to give me a complete analysis of my loan approval. XXXX did not call on that day, instead I was bombarded with emails from XXXX about life changing loans that have helped people. 

XXXX sent over a screen shot copy of my analysis loan report on XX/XX/2020, in which there was no coherent or precise information on APRs or Loan Terms, instead XXXX XXXX prompted I call him so he could set me up on my loan. 

I did not receive a Good Faith Estimate for the loan so I could look over the APRs or Loan Terms to determine if this loan, would benefit me before I even agreed to the loan. Instead XXXX XXXX ignored my repeated requests for the Good Faith Estimate that is required by law to consumers. 

When I informed XXXX XXXX of these laws, I received a call from his Supervisor XXXX, who stated that he was informed about a loan offer that was made to me, and apparently I never got the APRs or Terms that would let me review the loan. 

I emailed XXXX XXXX about XXXX contacting me. XXXX proceeds to state in the email that he apologized for not calling me in regards to the loan approval I was offered but his Manager will be taking over? 

Americor has wasted my time, disregarded my request for loan APR and Terms, didnt provide a Good Faith Estimate and further more now have my personal information in their system, which could be prone to cyber hacking. 
Upon further research of Americor they have a habit of bait and switch loans, over promising to consumers and just wasting consumers with deceptive tactics with personal loans. 

Being in the financial industry, I know what they did is wrong and it irks me that they run a business like this, at the consumers ignorance of not knowing the laws.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the immediate removal of collection accounts from my credit report. 

Despite my persistent efforts to rectify this issue with the credit reporting agencies, the collection accounts continue to negatively impact my creditworthiness and financial standing. The presence of these accounts on my credit report is unjustified and is hindering my ability to access credit and financial opportunities. 

I have provided extensive documentation to support my claims, including evidence of payments and communication with creditors. However, the credit reporting agencies have failed to take appropriate action to remove these collection accounts from my credit report in a timely manner. 

I request that you intervene in this matter to ensure that the credit reporting agencies fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). This includes promptly removing any inaccurately reported collection accounts from my credit report and providing me with a corrected copy of my credit report. 

Furthermore, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' failure to address this issue in a timely and satisfactory manner. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XXXX my daughter, XXXX XXXX XXXX, filed for a student loan from Wells Fargo Financial. She was attending graduate school at XXXX XXXX XXXX in XXXX, AZ. Because she did not have a job, I co-signed on the loan. Since that time she has completed her masters, has a full time job and has been paying on the loan faithfully for the past 6 years. Now that I am XXXX XXXX XXXX, I want to be released from the note. She has submitted 2 separate applications for me to be released but they have denied the requests. When we each called for clarification they have refused to explain why she was denied, insist that we are not entitled to an explanation and there is no one to talk with. They have been rude, dismissive and arrogant.
Product: Vehicle loan or lease

I spoke with Hyundai Motor Finance about my account balance was inaccurate, I asked them for itemized transaction records for everything and they said they would send via email and never did. I also had asked them to refinance the car loan and they denied it being an option. I told them the dealer said I would be able to refinance after 6 on time payments and they didn't allow me to. 
I also told them that the dealer used malicious business practices to hide the fact that I was paying 50 % of my payments to interest. They explained the per diem clause as a temporary amount I would be charged and the number would " get lower '' when I paid down my loan. They never explained that the per diem was the interest rate charge per day. They said the per diem charge would be applied to the first few months of the loan as a " process charge '' rather than the interest rate charge. 
They also took my {$10000.00} car and gave me a {$30000.00} loan and stated that there were Federal Taxes on rhe car and that's why the loan was at {$40000.00} and the car reduced it to {$30000.00}. I found out that there is no Fed Tax on vehicles and the dealer lied on how the trade in was calculated into the loan. 

Also, I told the lender that I was doing a lot of XXXX XXXX  and that I was in need of a hybrid vehicle to save on gas. I told them that I was making around {$5000.00} gross income a month but also that I was spending about {$1200.00} a month of expenses running my business. If they would have provided me a hybrid vehicle the gas savings alone would have paid for the car itself. Also I can sense that they lied on the loan application because my income to expense ratio does not fit a {$40000.00} loan non-hybrid vehicle. 
A calculation of {$5000.00} gross minus {$1200.00} gas expense, {$1500.00} rent expenses, 30 % tax estimate of {$1500.00} would have made me ineligible to afford the car. They violated rules to approve me knowing that I would not be able to afford the vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my XXXX XXXX record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like XXXX being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside XXXX days offers a purpose to straight away remove those items from my credit report. Its been over XXXX  days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Product: Money transfer, virtual currency, or money service

In first week of XX/XX/XXXX I requested copies of all sent transactions between XXXX XX/XX/XXXX. They said they would not provide since they had canceled my account. I argued that it was their choice to cancel my account but that I was legally entitled to my sent transactions history. They refused.
Product: Credit reporting or other personal consumer reports

HELLO I HAVE ALREADY STARTED A DISPUTE WITH THE XXXX AND TRANSUNION REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT ... I HAVE A LINE OF CREDIT WITH XXXX XXXX, THIS BANK MADE AN ERROR AND SENT XXXX LATE FEES THESE CREDIT BUREAUS, I HAVE BEEN DISPUTING THESE INACCURACIES FOR ALMOST 2 MONTHS NOW ... ON MY XXXX REPORT XXXX WEEKS AGO XXXX TOOK XXXX POINTS FROM MY XXXX XXXX BEHIND THIS BANK ERROR, THAT THE HIGHER UP 'S DONT AND WONT ADMIT!!! THE BANK MANAGER HERE IN FLORIDA LOOKED OVER MY ACCOUNT PERSONALLY WHILE I WAS ON THE PHONE WITH HER AND SHE SAW FOR HERSELF THAT I WAS CURRENT WITH MY LINE OF CREDIT PAYMENTS FOR THE MONTHS OF XXXX AND XXXX OF THIS YEAR... IM EMAILING THE PROOF WITH AN EMAIL THAT I RECEIVED FROM HER... PLEASE SEND THIS NEW INFORMATION TO XXXX, AND TRANSUNION, AND XXXX IF YOU CAN, THEY NEED TO RESTORE MY CREDIT BACK... XXXX TOOK AWAY 67 MONTHS XXXX WEEKS AGO, THEN THEY GAVE ME THE POINTS BACK A WEEK AGO, XXXX HAS TAKEN XXXX POINTS AGAIN FROM MY XXXX XXXX, THIS IS UNACCEPTABLE, AND THEY ARE VIOLATING MY RIGHTS, ALSO XXXX AND TRANSUNION ARE NOT UP DATING MY CREDIT REPORT, ALL MY CREDIT CARDS ARE PAID OFF XXXX BALANCES, WHY THIS IS NOT REFLECTING..
Product: Checking or savings account

On XX/XX/18 I was depositing {$500.00} into my account at a Chase ATM location on XXXX XXXX XXXX  XXXX, XXXX Ca. When the ATM asked me to insert the money I did so and it rejected one of my {$20.00} bills. When it asked me if I wanted to deposit more I said yes. Then I finished my transaction and I asked for a printed receipt. When the receipt printed the atm only gave me credit for {$20.00}. I went straight to the XXXX XXXX branch to make a claim. The teller told me that they would credit my account and investigate. On XXXX I received a letter saying they couldnt find the money and I would be deducted that credit. When I went back to claim that it was wrong the employee over at the XXXX location claimed that they have had problems similar to this at that ATM.
Product: Debt collection

Subject : Formal Dispute of Unverified Debt Reporting and Unlawful Collection Practices To Whom It May Concern, I, XXXX XXXX, am formally disputing the collection account your company has reported to my consumer credit report. Your agency has failed to comply with multiple federal laws governing debt collection and credit reporting, including but not limited to : 1. Failure to Provide Validation Information Under 12 CFR 1006.34 ( b ) ( 5 ), a debt collector must provide validation information about the alleged debt. Your agency has not furnished the necessary documentation before placing this account on my credit report.

2. Denial of Right to Dispute As outlined in 12 CFR 1006.34 ( c ) ( 4 ), I must be given a reasonable opportunity to dispute the validity of the debt before any collection activities or credit reporting take place. Your failure to provide this right is a direct violation of federal law. 
3. Use of False, Misleading, or Deceptive Means Your agencys actions violate my consumer rights by engaging in deceptive practices. Reporting an alleged debt without proper validation, along with failing to provide the required disclosures, constitutes misleading and unfair collection tactics.

4. Unauthorized Furnishing of Information to Consumer Reporting Agencies Under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ), a debt collector must ensure all disclosures and legal requirements are met before reporting an account to a consumer reporting agency. Your agency has not met these obligations and therefore lacks the authority to report this account to any credit bureau. 
5. XXXX and XXXX Calls The Fair Debt Collection Practices Act ( FDCPA ) [ 15 USC 1692d ] prohibits debt collectors from engaging in harassing, oppressive, or abusive conduct, including the use of threats and repeated phone calls. If your company has been making excessive or threatening calls to me regarding this disputed debt, you are in further violation of federal law. 

Given these violations, I demand : The immediate removal of this unverified and improperly reported collection account from my consumer credit report. 
A cease and desist of any XXXX and XXXX calls made to me regarding this account. 
Written confirmation of the accounts deletion within 30 days of receipt of this letter. 

Failure to comply with these demands will result in legal action against your company for violating federal consumer protection laws. Additionally, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office if this matter is not resolved promptly. 

This letter serves as a formal dispute, request for validation, and demand for corrective action. I expect a written response addressing these concerns immediately. 

Sincerely, XXXX XXXX