23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I was checking my free credit reports at annualcreditreport.com. I was able to view XXXX, XXXX, but not Equifax. When I clicked on the link to view the Equifax report, a page stating that the system was not available and to check back later. Once I returned to annualcreditreport.com, it showed that I had viewed the Equifax report and would not let me back in. I have gone to the Equifax website, but you must purchase a product in order to speak with a person. The links on the Fair Credit Reporting Act for their site are not active. They do not have any phone number that will get you to a person to help with the issue. You ca n't even order a credit report without signing up for a monthly subscription. I finally ordered a report and score over the phone because the phone was not clear as to what needed to happen in order to just get a report. I paid the {$19.00} just so I could get a copy. This is yet another example of how these agencies are allowed to control your financial information with no recourse. I have a very common name and have had several mistakes on my reports over the years. It is amazing to think that the consumer has to pay for their mistake. I also sent a complaint to annualfreecreditreport.com, however they are a government run agency, so they obviously have not intention of responding to the issue to resolve the matter.
Product: Payday loan, title loan, personal loan, or advance loan

AutoPay authorization was set-up for a specific amount, and Lightstream withdrew a balloon payment despite not having authorization for that amount. Additionally, their website incorrectly reflected the amount that was going to be withdrawn, resulting in a overdraft fee on my personal checking. I transferred funds to my checking account to cover the payment, however, Lightstream refuses to refund the fee that was incurred due to their broken website and unauthorized payment.
Product: Mortgage

I have deposited the total amount of {$7200.00} on XX/XX/XXXX. The breakdown list below from your company which include the XXXX, XXXX and XXXX mortgage payments, I also made the XXXX and XXXX monthly payments on XX/XX/XXXX and on XX/XX/XXXX in the meantime. Therefore, the XXXX and XXXX mortgage payments have been double paid. This overcharge has resulted in financial strain and has raised serious concerns about the accuracy of my mortgage account. 
In addition, since my online account has been blocked by the Towne Mortgage Company so I can not continue paying my XXXX mortgage payment. Do you have any other payment options available? Otherwise, the accumulated mortgage should have nothing to do with me. 
XXXX. Phone conversation with loan XXXX XXXX XXXX and his XXXX XXXX on XX/XX/XXXX. Both of them promised to send a detailed list for review immediately, but never did. 
XXXX. Phone conversation with loan XXXX XXXX XXXX on XX/XX/XXXX. He requested that all relevant bank transaction records be sent to him. All the transaction records he needed were sent to him on XX/XX/XXXX, but never received any follow-up or reply. 
XXXX. Phone conversation with loan XXXX XXXX on XX/XX/XXXX. He promised to send a detailed list for review after the call, but never did. 
XXXX. Phone conversation with your customer service representative on XX/XX/XXXX. She requested to re-send the inquiry email again and include the XXXX in the loop. I did the same day but never received any follow-up or response. 
XXXX. Phone conversation with your customer service representative on XX/XX/XXXX. She told me that my account was under review and would contact me further, but never did. 
XXXX. PLUS I have sent emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to follow up the inquiry status and try to resolve the problem, but I have NOT received any response from the Towne Mortgage Company yet!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and it shows I have two late payments showing on my credit report from XXXX. I am a current student at XXXX XXXX University. I had already received a email that my student loan payment was extended til XX/XX/XXXX back on XX/XX/XXXX, however, I have returned back to school as of XX/XX/XXXX. I called XXXX this morning to inform them of the error on my report and the lady said I don't start paying anything back until XX/XX/XXXX, which is the year I graduate. So if they are not reporting it and it is showing under their name on my credit report, then why is it there to say I have a late payment in red? I received a letter in XXXX that it was going back to XXXX from the U.S. Department of Education. I have all the documents that was sent to me. I just spoke with XXXX as well and they gave me a breakdown and I am on a deferment until XX/XX/XXXX and then it will start over until I am done with school in XXXX. I have provided all my documents.
Product: Student loan

Myself and my family were actively discouraged from applying for a loan from Navy Federal Credit Union in the late Summer of XXXX, and when we insisted, instead of the {$20000.00} I showed them I needed to pay for my university education and documentation that my family was able to pay back the loan, NFCU only approved a loan for {$10000.00}. Due to a XXXX XXXX XXXX discrimination case against a company in Mississippi, I was explicitly told by the U.S. Department of Justice not to touch the positive balance in my checking account at Navy Federal Credit Union ( Account # XXXX ), only to have the charge put through again, and my account held in negative balance ( of - {$62.00} ). But due to the DOJ 's orders, I did not touch the account until otherwise told to. In late XXXX, just a few days ago, Navy Federal Credit Union wrote off the negative balance and holds me in " not good standing '', and has threatened to close my other checking and savings account at any time, including the private loan for education made with my family. I only had a chance to use half of that {$10000.00} loan due to my XXXX. ( I would include this letter, but they have told me it will be on my XXXX XXXX statement, not due out for another 10 days. ) I believe, because Navy Federal Credit Union knew I was desperate for a loan to cover my educational expenses and solely because they knew I had a XXXX, they only offered me half the amount I needed ( assuming university would be too difficult for me with my XXXX ). I know this for a fact because the banker in the XXXX branch offered the {$20000.00} I needed, then inquired about my specific XXXX, which I declined to answer, as is my federal right, but saw my XXXX. Then, suddenly, the computer said I was only eligible to take a loan for {$10000.00}. I was desperate so I had to take what I could get.
Product: Checking or savings account

On XX/XX/XXXX, a transaction of XXXX was taken out of my bank account and also it made a charge back fee of {$12.00}. I wanted to know why I was not informed about this reverse on a check that I deposited. Was it a bounced check on XX/XX/XXXX? It was reimbursement check. This had nothing to do with selling not sold to merchant. It stated 'return item charge back ' in the line on XX/XX/XXXX in XX/XX/XXXX bank statement.
Product: Vehicle loan or lease

I was not denied credit. Instead, I was offered credit at less favorable terms. When I inquired as to what credit reporting agencies were used, what the actual terms were, and where my risk based pricing notice were, I was told the grantor refused to provide any of it, and I must go to a third party dealer for the information.
Product: Checking or savings account

My account was closed with Wells Fargo due to overdraft fees but there were several unauthorized payments that were cleared by the bank that should have been placed on stop payment.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX has violated my rights, This account does not belong to my name, it is listed as a corporate account, and therefore should not be on my personal credit report, is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 

Title 15 of the United States Code, Section 602 A, states that I have the right to privacy Title 15 of the United States Code, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions
Product: Credit reporting or other personal consumer reports

I made multiple disputes to the major credit bureaus about an account from a company called XXXX XXXX. Experian refuses to remove this account while the others have removed it. This account is not mine.
Product: Credit reporting or other personal consumer reports

Dispute Of Inaccurate Reporting of Late Payment on my credit report relate to the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Subject : Request for Incorrect Late Payments under the FCRA, specifically 15 USC 1681.

I am writing to dispute an incorrect late payment report on my credit report, specifically in regards to the accounts referenced with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Upon thorough review of my credit report, I have identified discrepancies in the reporting of these accounts. To the best of my knowledge and records, I have consistently paid these accounts on time and in accordance with the agreed-upon terms. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between myself and your company. Payment history, particularly late payments, negatively impacts my consumer report and constitutes a part of such transactions and experiences.

Additionally, under 15 U.S.C. 1666 ( b ), I request documentation of the reasonable procedures you have in place to ensure that periodic statements are mailed to me no later than 21 days before the payment due date. This documentation should include all information required by 15 U.S.C. 1637 ( b ) regarding the contents of such statements. 

Reference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have consistently been adhered to. Therefore, the account should be reported with a status of " Paid As Agreed Never Late '' to accurately reflect my timely payments. Any deviation from this status misrepresents my financial responsibility and commitment to fulfilling my payment obligations.

Request for Proof : To validate the reporting of late payments on these accounts, I request the following : Documented proof supporting the claims of late payments, including dates, amounts, and any relevant communication.

In the absence of valid proof, I demand that these accounts be promptly updated to reflect their accurate status as " Paid As Agreed Never Late. '' Request for Timely Investigation : In accordance with the ( FCRA ), I request a thorough investigation of this matter and a written response within 30 days of your receipt of this letter. Failure to adhere to this timeline will be considered a violation of the ( FCRA ).

Please treat this as a formal dispute under the ( FCRA ). If the inaccurate reporting is not corrected or a satisfactory resolution is not provided, I may escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or take legal action to ensure compliance.

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide a written response with the results of your investigation. If you require additional information, I can be reached at XXXX Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX, and I'm writing to discuss some issues with my credit report that I received from your agency. 

I recently discovered that my personal information was shared with a third party without my permission. This seems to go against the rules outlined in the Fair Credit Reporting Act. According to my understanding of the law, I have the right to know and control who gets my personal information. However, my report shows that some details were shared without giving me the chance to say no. 

I want to clarify that my problem is not with the companies I owe money to but with your agency for sharing my information without asking me first. According to the law, you're supposed to get my written consent before reporting my personal information, and I haven't given that consent. I'm asking for proof that I agreed to this, as required by law. 

I've also reported this issue to the Federal Trade Commission, and my complaint number is XXXX. I'm worried that this unauthorized sharing of my information might be a form of identity theft. 

I'm formally requesting the removal of the following accounts from my report within four business days : XXXX XXXX XXXX- Account Number : XXXX XXXX & XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX I've also noticed some unauthorized inquiries on my report. I'd like these removed as well : XXXX XXXX  XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX  XXXX- Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX - Inquiry XXXX XX/XX/XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX - Inquiry date XX/XX/XXXX I want to make it clear that I have the right to a fair and accurate credit report. Removing these accounts is crucial for correcting the mistakes in my report. 

Additionally, I'm asking for documentation on how you verified the disputed accounts and proof that I had the option to opt out of having my information reported. 

I expect you to address this matter promptly and resolve the dispute within four business days. If not, I may have to take further legal action.

Thank you for your quick attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX Last XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX This certified letter, receipt number : XXXX is to formally advise you that I believe your company has violated several of my consumer rights. Specifically : You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

I expect to receive the proof requested above within 1 day of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. 

I have hired a consumer attorney to assist me in this matter. 

1.XXXX Original creditor : 01 XXXX XXXX XXXX XXXX {$270.00} Account number XXXX Collection opened XX/XX/XXXX 2.XXXX XXXX Original creditor : 06 XXXX XXXX XXXX XXXX {$140.00} Balance updated XXXX XXXX, XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX 3. XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$1200.00} Balance updated XXXX XXXX, XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$1000.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account 5. XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$1000.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XXXX  XXXX, XXXX Loan Amount {$1000.00} Experian collection XXXX XXXX XXXX/ Original creditor : XXXX XXXX {$4400.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX -
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and XXXX distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Checking or savings account

In the past l signed up for Banks because l needed a bank but didnt have the money for it then my XXXX XXXX XXXXXXXX got hacked and cancelled so i thought l was good but l cant keep an account open because of it and Im losing money. I need to get this handled because something that wasnt my fault is messing up me now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4900.00}
Product: Debt collection

Received letter mailed XX/XX/21 that identified me as a counselor for a client. I am not a counselor nor do I know the client identified in the letter. Indicates that the bank routing and account will be debited for the payment amount " authorized '' by the client. Again, I am not the correct party for any of the notifications and have no contact with either the firm nor any client/creditors.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I received a letter from XXXX XXXX XXXX regarding an application they received for a new credit card account. They wanted additional information to complete the application. I immediately contacted them to say I did not make this request. They discontinued the request and placed a fraud alert. I contacted the state police and filed a report. I contacted all 3 credit bureaus and placed a fraud alert and a freeze on them. I submitted the report that was given to me and the only bureau that will not remove it is TransUnion. They stated I needed a report from the FTC to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX2022 about a HIPAA VIOLATION on my credit report I havent received a response the FCRA states I am required to receive a response within 30 days
Product: Money transfer, virtual currency, or money service

I recieved a bill from Pay Pal, stating i should contact them concerning this at the # given XXXX. I called and told the person about the invoice and he stated he would transfer the call, a man stated his name was XXXX and he was in charge of financial matters at that location. 
Then he said the phone connection was not clear and he needed to call me back on another line. He called from # XXXX and he began explaining how this would have to be resolved. He looked through my computer and found my bank account, then he deposited {$1400.00} to my account., when it was complete. then he said he had made an error and the deposit he placed in my account should should have been {$1100.00}, he wanted me to go to a store and purchase XXXX {$100.00} gift cards and call him. My care giver was with me all this time and she said this was a scham. I should have listened but Pay Pal would never allow this unless it was in on it all the way. I was not able to buy XXXX cards, only two. All told I have been taken for {$200.00}. and hope this will detur anyone else from the same as me.
Product: Mortgage

My wind and hail is due onXX/XX/XXXX and has still bee unpaid and am at risk of having coverage canceled. DMI has messed up my coverage ever since boarding the loan with them. 45 min hold times. XXXX XXXX  is the servicier of the loan and DMI subservicer. They have royally screwed up and have done very little to fix. XXXX XXXX  is no providing proper oversight of the subservicer and DMI has failed to maintain escrow.