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

Milestone- which is now XXXX. Violated my consumer rights. I told them I had a XXXX XXXX. They still reported to the bureau of a XXXX  day missed payment. I demand that you do a goodwill adjustment.
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 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, credit repair services, or other personal consumer reports

CFPB DISPUTE RE : Bank of America credit card XXXX Account history : The account was opened in XXXX This credit card account was a joint account between my father XXXX and my mother XXXX. 
I was added as an authorized user to their account when I was in college. 

Death certificates for both of my parents are attached below : -Father XXXX XXXX SS # XXXX Date of death XX/XX/XXXX XXXXMother XXXX XXXX SS XXXX XXXX Date of death XX/XX/XXXX My legal name is XXXX XXXX XXXX . My SS # is XXXX. My identity documents are below. I helped care for my mom and we shared the same address at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 


Overview of issue I need help addressing : I contacted Bank of America after my mothers death and was told that they wouldnt remove me from the account and process the account as a deceased account since both of my parents, the only liable parties, were now deceased. 

I felt forced to continue to make payments from my own account after my mom 's passing because I didnt want any late marks on my perfect credit. 

I have never signed a contract to be a liable party. I was always ONLY an authorized user.
Product: Mortgage

Six weeks ago ( beginning of XX/XX/2021 ), we contacted several lenders to get refinance offers. We received four of them with identical interest rate quotes. Three of the four had closing costs and monthly payments that were very close to each other as well. However, we wanted to support the local lender, even though their closing costs were not the lowest, so we went with American Financing. 

Both my wifes and my credit scores are over XXXX. My income is more than adequate to cover the loan. Loan to value for the home would be about 65 %. When American Financing requested documents, we always provided them within 24 hours of the request. In short, everything appeared to be going well until a week ago. 

A loan processor contacted me two weeks ago and let me know we would be closing on the loan this week ( XX/XX/2021 ). Late last week, I got a call from a loan consultant, letting me know that, since we applied for the loan and they supplied the loan estimate and closing cost worksheet, interest rates had risen, and they could no longer offer us the loan at the rate they quoted us. They wanted to charge me XXXX of a point higher than what they had quoted. 

When speaking with most of the lenders the very first time, they specifically asked us if we wanted to lock our rate at what they were quoting us. We always said yes. This has been standard procedure for all of the six mortgages Ive had in my life over the last 30+ years, and the rates were always locked, regardless of what happened to market interest rates. Im now being told by American Financing that, because of COVID, they stopped locking rates until the loan was approved by underwriting. 

It was no secret that rates were increasing when we applied for the loan. Thats the whole point in locking the rate. But instead of honoring the rate that they quoted us the quote that convinced us to go with American Financing theyve now decided that their bottom line is more important. Sure, rates went up during the five weeks it took them to approve the loan. But that delay had NOTHING to do with us ; as I said, we always provided what they requested within 24 hours. 

Heres the bottom line : American Financing saw that rates were rising, and they didnt want to get stuck with a loan at a lower rate. So they took their time through the underwriting process until the rates were closer to what they wanted to charge. Then they ignored the rate they quoted us so that they could make more money, regardless of the effect it had on me, the borrower. So while Im waiting more time than other lenders had promised ( some as little as 2-4 weeks ) again, thinking, Its okay ; Im supporting local business American Financing is taking their time so they can raise my rate and not honor the document on which I made my decision. So it looks like we may have to start all over again, and we likely wont get the same rate we would have if we had gone with another lender to start with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint about this company because they were charging me interest for fraudulent charges and had not fully removed the fraudulent charges from my account. I refused to pay on this card because the creditor was not cooperating with me. I have a late payment on this account in XXXX of XXXX  that was never removed even though they agreed they made a mistake via letter XX/XX/2022. Please remove this late payment from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have issues with XXXX auto finance. I am current with my payments now and they have shown improvement in my report with TransUnion but I was under the impression they remove negative credit report when reason no longer applies.
Product: Credit card or prepaid card

American Express refused to provide me with the following information when I made a request to it : 1. A copy of my application for the account in question. specifically I would like to see the physical address and the MAILING address that I provided to American Express when I applied for its credit card in 2017. 

2. A copy of every statement that was ever issued on my account while I had this credit card account with American Express. 

3. The history of changes to my address I had on the account with American Express to which American Express had mailed me any materials.
Product: Debt collection

I would like to file a complaint against Equiant Financial Svcs. I am being harassed with phone calls while they're using a different name, they disguise their identity as XXXX XXXX. Also, I only agreed to in house financing and not third party loans. My personal information were sold to this 3rd party company that opened an account under my name without my consent. My personal information has been breached. I never gave authorization & never had proper notification that this Equiant Financial is going to be collecting payments and/or reporting them. They are harassing me with phone calls to collect money but they're using a different name, under XXXX XXXX. I am submitting this complaint for abuse and deception of identity. They are violating FDCPA by harassing phone calls while using a different name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my profound disappointment and frustration with the lack of action taken by XXXX, Transunion, and XXXX on my previous dispute letter dated XX/XX/XXXX. It is with great dismay that I must inform you that the disputed accounts listed in my initial letter have not been DELETED from my credit report, despite my explicit and unequivocal assertion that these accounts do not belong to me. 
Account Name Account number XXXX XXXX XXXX XXXX XXXX XXXX  Not mine XXXX XXXX XXXX XXXX XXXX XXXX  Not mine XXXX XXXX XXXX XXXX XXXX XXXX Not mine XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Not mine XXXX XXXX XXXX XXXX XXXX XXXX Not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not mine XXXX XXXX XXXX XXXX XXXX XXXX Not mine XXXX XXXX XXXX XXXX XXXX XXXX  Not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not mine XXXX XXXX XXXX XXXX XXXX XXXX Not mine I received a letter stating that this account were verified and I insist that XXXX, XXXX, and Transunion provide me XXXX within 30 days, with the following documentation, as required by law : 1. Copies of the contracts or agreements bearing my signature for each account listed on my credit report.

2. All supporting documentation or evidence linking me to these disputed accounts.

3. detailed account history, including a record of payments, charges, and any other relevant transactions.

4. Charge-Off Documentation that supports the charge-off status of the account.
5. Chain of Ownership, If the account has been sold or transferred to a collections agency, provide me documentation that establishes the chain of ownership. 6. Date of Last Activity 7.
Proof of Reporting Compliance.

I would like to receive this information here, so the CFPB can see it and have as a record and also by mail to XXXX XXXX XXXX, XXXX XXXX NY XXXX. If this information can not be provided those incorrect accounts should be DELETED from my file as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since XX/XX/XXXX to dispute a XXXX which turns into XXXX  for collections on my credit file. I have never heard correspondence from XXXX or Experian about validation of debt and they continue to dispute this incorrectly. I have contact XXXX, because XXXX is so old it was bought out by another carrier years ago. XXXX even said they can not validate the debt because XXXX  is no longer in business. This account is from early XXXX. I know this because that is when I cancelled services with them. XXXX and Experian have been nothing but rude and unwilling to fix the incorrect reporting on my credit file. Even the collection agency stated this should not be on my credit report anymore but said I must dispute through XXXX and Experian.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3300.00}
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 NUMBER : 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 four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CREDIT BUREAU 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 reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : DISCOVERBANK, NUMBER : XXXX XX/XX/2024 Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Product: Credit reporting or other personal consumer reports

I am sending this complaint to contest and request the immediate removal of unauthorized inquiries from my credit report. Upon reviewing my credit report, I have identified several inquiries that were not authorized by me. These inquiries are detrimental to my credit standing and have the potential to significantly impact my financial reputation. 

The following inquiries are incorrect : 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 


I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these unauthorized inquiries and have included a copy for your reference. Despite this action, these inquiries continue to be reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I insist that these inquiries be expunged without delay. 

I respectfully request that you conduct a thorough investigation into these unauthorized inquiries and take all necessary measures to remove them from my credit report. 
Additionally, I request written confirmation once these inquiries have been successfully removed. 

Thank you for your immediate attention to this matter. I anticipate a prompt resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Number : XXXX Date Generated : XX/XX/2021 I have submitted proof that this account has been corrected and submitted copies of a letter stating this has been settled. I have disputed with Experian numerous times and still I'm told this is accurate. This done by E-Oscar and not looked into by human eyes. I truly believe this has not been looked into properly I would like to have Investigation why they refuse to remove information when I a submitted letter showing this false information
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report, as I am a victim of a data breach. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts and inquiries be blocked and deleted from my credit file : XXXX Accounts : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$5.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} Unauthorized Inquiries : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX & XXXX BANK XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX
Product: Debt collection

I received a notice from On Line Information Services, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX reference # XXXX for a collection on behalf of " XXXX XXXX '' in the amount of {$480.00}. I notified the collection company that the debt was NOT mine, as I have never had an account with XXXX XXXX. They claim to have verified that the account is mine, and sent a copy of a bill addressed to XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

I have never lived at the address. In fact, the date of the debt is XXXX -- I have lived in XXXX from XX/XX/XXXX to now. Prior to that, I lived in XXXX. They have not done due diligence to verify it is me. There must be a million " XXXX XXXX. ''
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and that another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I really need assistance with making sure the bureaus delete this fraudulent account and it stays deleted. Last much I reviewed my credit report online as i do every month and I noticed a new account XXXX XXXX XXXXl for {$1900.00} which turned out to be a medical collection, I was immediately alarmed because I have not been to the emergency room or hospital in years nor have i visited a doctor. I called the company thinking surely they have me confused with another because I have a very common name but more alarming still it was my information! I went to the police station right away to report this fraudulent use of my information and disputed the account with all 3 credit bureaus as fraud. So far the account remains, I will attach a copy of the police report. Please help.
Product: Payday loan, title loan, or personal loan

In 2019, Chase bank, without reason or my consent, closed all accounts with me the executor of the business name ( s ) aka creditor/consumer
Product: Mortgage

In XX/XX/2022, my clients, homeowners in XXXX XXXX, NY, submitted a loan modification application to their mortgage servicer, Cardinal Financial Company. The loan number associated with the application is XXXX. 

It is now XX/XX/2022, and Cardinal Financial Company has not made a decision on the homeowner 's application. After providing third-party authorization, I contacted Cardinal Financial Company XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022. 

Every time I contact XXXX XXXX for an update, I am told the company has not made a decision on the homeowner 's application. XXXX claims they have a lot of applications to go through because they are behind. This is not an excuse for not having made a decision on a loss mitigation application in almost four months.