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

In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected consumer Right to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX ( Original creditor ) Opened : XX/XX/XXXX {$770.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Opened : XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX creditor Opened : XX/XX/XXXX {$1200.00} 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states A consumer reporting agency can not furnish a account without my written Instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

This morning, I came across incorrect accounts on my credit report and have no explanation for their presence. As part of my routine, I checked my report, but this time, there were unexpected inconsistencies. Thinking it might be a temporary issue, I refreshed my browser, but the inaccuracies persisted. Due to this situation, I am requesting a thorough examination of my submitted documents to ensure this is resolved once and for all.
Product: Credit card or prepaid card

COMMERCE BANK FINALLY CORRECTED OUR ON LINE ACCESS! WE WERE UNABLE TO MAKE ON LINE PAYMENTS AND AS A RESULT HAD TO PAY BY U.S. MAIL. ( SEE ATTACHED ). PLEASE CORRECT LATEPAYMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$460.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$560.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXXXXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$630.00} ), XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$820.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$620.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$330.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$430.00}, XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$1100.00}, ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Consumer Loan

Nissan Motor Finance contacts a number I have asked them not to contact multiple times.
Product: Money transfer, virtual currency, or money service

I sent XXXX dollars to XXXX through Remitly on XX/XX/2021 ( Reference number XXXX ). The money was supposed to arrive on XX/XX/XXXX. I have been told that the money has arrived, but it is not in the recipient account. When I contacted Remitly, they insisted that the transfer has arrived and asked me for a statement of the receiver 's bank account, which I don't have legal right to access because it is the receiver 's confidential information. In spite of that, I obtained it and send it to them. The statement was generated on XX/XX/2021. Remitly claims that they have a statement from the bank in XXXX ( XXXX XXXX ) stating that the money has been deposited in the receiver 's account, but they wouldn't show it to me.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 XXXXXX/XX/XXXX
Product: Debt collection

The loan that I have been sending money monthly was sold to this company XX/XX/2022 They started calling me all day all night. On XX/XX/2022 I talk to them, telling them that I was not working And he said well the amount you was sending the other company not gon na cut it with us! I was telling them that my husband was paying everything for me and I would see if he could send them more monthly and try to get a lump some together if he could get a loan. He was saying how about XXXX and I was saying Im not sure I would definitely talk to him and call you back.The he said hold on and the call was dropped.Then they started calling me again all times that night. And started again early morning.I called him back on Tuesday XX/XX/2022 to see if my husband could send a little more monthly while he applied for some loans to pay a lump sum, The guy started talking over me yelling this not how this works!!!! you just need to have your husband call me!! Good by!! Good by!!! And hung the phone up in my face .The company is Asset Recovery Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ill XXXX ph XXXX. The company I have been sending payments to was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ph XXXX here are my receipts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent Equifax a letter along with my identity theft report that explains that I am a victim of identity theft and that there were accounts appearing in my report as a result of it. I explained that I'd never given anyone any permission or have any knowledge of the account ( s ) until I pulled my credit reports for review. I've asked Equifax to remove the fraudulent item ( s )  from my credit file and requested that they send me an updated copy showing the correction. As of today, I haven't received a copy of my credit report and the item is still reporting, affecting my credit. It would be of great pleasure if CFPB would assist me in resolve of this matter. Thanks.
Product: Debt collection

on several occasions. 
I have told people from this company to stop calling. 
I requested that it was my right according to the FDCPA. 
On XX/XX/2019 I told one credit collectors named XXXX XXXX. to stop calling. 
He told me that my word was good only for 10 days and that I should put in writing. 
My last conversation with XXXX XXXX was recorded and he was also notified of those actions. Even though he was polite but he keep insisting of why I was not going to pay this bill. I notified him of my action to come soon. He just ignore me and continue with his attempt to collect the debt. This was The last straw. I tried to put an end to this in a civilize way. I will proceed with legal actions against Mr. XXXX XXXX and his company XXXX XXXX located in XXXX Va. Any other information obtain on this case will be used against them. 
Thank you Mr. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a 15 year mortgage with Bank of America on a commercial property that I use for my business. I own this personally and lease it to the business. I was a XXXX XXXX  customer of BOA and had a line of credit with them also that was separate. I was never 30 days late on making my payment. There was a 10 day grace period after the due date. If you went past the 10 days, there was a {$35.00} fee. If I went over the date, I paid the {$35.00} fee. I paid on the loan for 15 years. When I got to the end, I received a letter from them telling me I owed an additional {$22000.00} in interest. They had been accumulating interest for 15 years for every day after the due date that I was late. And then they were charging me interest on the interest. In 15 years, they never sent me a report saying that I owed the interest. It did not show up anywhere on line on my account. There was absolutely no way that I could know that they were charging me this interest or giving me the opportunity to pay it off each year so that I would not be paying interest on interest. I obtained counsel and they began negotiating. It took about 6 months but we reached agreement that I would pay {$5000.00} and they would forfeit the claim for the additional funds. They gave me a release from the deed and it was done. Have them send me a copy of the settlement. They are currently reporting this as an error on my credit. I have attached the letter which was the first time I was notified that I owed additional money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently decided that I wanted to purchase a home, so I decided to pull up my credit report and was shocked by some of the things that were reported. I tried to resolve the issue by reaching out to the company stating I was not aware of the debt listed and wanted it to be verified. The company failed to verify the debt, but continued to have it remain on my credit report. According to the 15 USC 1681 law there should not be any damages on my credit report. I would like for this to be resolved immediately.
Product: Payday loan, title loan, or personal loan

Hello, I realize that your lending entities operate under tribal laws and are apparently not subject to normal consumer financial regulations, but I would like it known that over the course of 2 years I have paid {$9900.00} to your agencies in loan interest and fees, not including the loan principal amounts. I think that this is an extremely predatory practice that preys upon people without access to regular credit, on top of causing me personally severe financial duress and potential eviction from my residence. Particularly during a global pandemic when millions of people are out of work and struggling to make ends meet this seems even more unfair and exploitive. It makes me very upset when I think about the XXXX  of dollars I spent digging myself out of this trap, and I do not want it to happen to anyone else.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report 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: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX  XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX**, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX** and XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In the mail, I saw a letter addressed directly to me from American Express, stating that I qualify for XXXX bonus miles with the expectation I spend a certain amount of card spend within a given time if I sign up. 

I thought that was great, so I chose your card. Over the last 5 or so months I have put 10 -15 thousand dollars on that card, paid on time.

Despite spending over the minimum, I never received my bonus miles, so I decided to call in a month or so ago, and the agent said that my miles are on the way and to just wait 8 12 more weeks ( spend more money on the card ). I waited weeks and spend several thousands more, and called again today to see if the miles were to be included soon.

On that call, I come to find out that I never even qualified for the bonus miles, Amex had known from the beginning that I would not qualify because I owned a similar card years before. No one ever told me I didn't qualify, they just kept saying to wait and wait and the points are on the way.

This was very disappointing, and in my opinion a very unethical business practice. I would have canceled this months ago and signed up with another had I known this to be the case.

For starters, If they knew I had a similar card before and knew my address and name, they knew they were offering me something I didnt even qualify for, hoping I would sign up, spend a lot of money and later find out because of a rule I was unaware of, that I would never even earn the miles. I never would have signed up had they not sent me that letter, I would have put my 10 -15 grand elsewhere.

On top of that, because I was told by their agent that the miles were on their way earlier and I waited and waited. Not only was I misled into signing up, I was misled into keeping the card longer, therefore being coerced into spending thousands of dollars on a card under the premise of false promises.

I reached out to Amex after all of this and they said they would do an internal " investigation '' that would take 6 -8 weeks and during that time I would have to keep my card active. Meaning once again they just want you to keep the card keeping spending money and never actually give you points.
Product: Mortgage

Our loan originated with Alterra Home Loans on XX/XX/XXXX. In XX/XX/XXXX we requested to enter on a Forbearance plan due to the expenses caused by the mandatory evacuation of our area ( XXXX ) caused by Hurricane Irma. This was granted for 3 months with an extension for 3 more months, until XX/XX/XXXX. On that month, we started paying for a 3 months TRIAL period in which we were going to be deemed of a refinance of our loan ( meaning, moving the payments we didn't have to pay on the Forbearance plan to the end of the loan and pay it then ). 

On XX/XX/XXXX, our loan was passed/sold to XXXX XXXX. Since then it has been a total nightmare. Alterra never send them the totality of our paperwork, so they are saying we are severely delinquent, they have reported this to the Credit Bureaus and our score dropped significantly. I have been talking to XXXX for the last 4 months with absolutely NO improvements on our situation whatsoever. They are now calling us several times a week, nagging us about getting up to speed on our payments!! 

Be have never asked to have another loan servicer! and we are victims of two AWFUL, scrupulousness companies! 

We have paid as much an as regularly as it was asked by both companies and we have only received bad service and a considerable drop on our credit score, affecting our lives significantly. 

Please do something!! 

Thank you!
Product: Credit reporting or other personal consumer reports

There is a list of hard inquiries appearing on my consumer reports that I did NOT authorize and were NOT verified. These hard inquiries are negatively impacting my consumer report and overall credit score. 

These inquiries DO NOT have permissible purpose : 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 XXXXXX/XX/XXXX PLEASE DELETE THE LIST OF UNAUTHORIZED INQUIRIES FROM MY CONSUMER REPORT IMMEDIATELY. 

15 USC 1681b Permissible purposes of consumer reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 

*** I am NOT disputing auto loan inquiries dated XX/XX/XXXX as these are REAL and I DO validate these ; inquiries dated XX/XX/XXXX are directly related to my vehicle which I still drive. 

*** I am NOT disputing any of the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as those are directly related to my son 's college education, and those are REAL and I DO validate these. 

PLEASE DELETE THE LIST OF UNAUTHORIZED INQUIRIES FROM MY CONSUMER REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment history with XXXX XXXX XXXX Acc # XXXX ( Equifax ), Acc # XXXX ( XXXX ), Acc # XXXX ( XXXX ), shows as late payment for XX/XX/2023. This is incorrect. I called XXXX XXXX XXXX, and they informed me that they did not report a late payment nor was I ever charged a late payment fee. The credit agencies have not rectified this information and they have not provided me with the investigation results.
Product: Student loan

My loans were recently transferred from my original loan service company to a new company called XXXX XXXX. I wanted to pay off my loans completely because they have horrible customer service and they instituted fee 's for making extra payments even from my bank account. I tried to pay off my entire balance, but they refused to allow it and stated they have a $ XXXX/day limit. I asked the service representative to provide me a way to pay off the entire balance without having to wait additional days and pay fees for each extra payment. They told me there was no choice but to make multiple payments over multiple days and incur the additional fees and additional interest that would result. This seems highly inappropriate and outside the norm compared to my experience with other student loan service companies.
Product: Checking or savings account

I am writing to file a compliant against navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees XXXX  to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settle with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

Went to send money to one of my friends but did not have a review option or disclosure to make sure that i was sending it to the correct person and lost money
Product: Checking or savings account

I requested and received from Chase Bank an e-mail with a code for a {$600.00} sign-up bonus for new customers. I received this e-mail on XX/XX/2019 at XXXX XXXX to my personal e-mail address. This e-mail is shown as Figure 1. I followed the steps exactly as shown on the e-mail and clicked the blue Open an account button with the fine print which reads, Coupon code automatically applied. Once I opened the account I set up direct deposit and deposited the qualifying amount of new money as described. I followed up three months later and was told I never entered the code, much to my dismay since the coupon code should have been automatically applied. 

Anyway, fast forward to today and through numerous calls with Chase customer Service and Research Department staff, too many to recount here, Chase Research Department staff XXXX ( Contact XXXX extension XXXX ) finally got back to me with the unfortunate news. On XX/XX/2019 at XXXX XXXX and lasting 17 minutes, XXXX began to inform me that the XXXX researching my case ( whom I was not able to speak to ) stated that the customer ( myself ) had not applied a coupon code nor navigated to Chase offer page around the time of account opening. I explained to her that I did not need to do any of that because the email stated that the coupon code was automatically applied! I was notably upset, and she refused to assist in any other way other than insisting there was nothing more she could do. In addition, there was no way I could forward to the Chase Researchers any documents to make my case. In addition, they would NOT provide me with the reasoning in writing as their findings. They stated that, and Im quoting, the research findings are internal documents. This feels like a financial institution not wanting to keep auditable and legal documents available. Chase needs to release these documents, fix their email promotion system and award me with the {$600.00}. I am looking for the CFPB ( Consumer Financial Protections Bureau ) or the OCC ( Office of the Comptroller of the Currency ) to assist in this manner. 

And, on a more basic human level, does it even matter technically what happened? If the email link broke and there was some sort of technical glitch, I am a new Chase customer that followed every step of the terms of the promotion, just a few days after a promotional code was emailed directly to my very active, main personal email account. It just seems utterly ridiculous that Chase would refuse to honor this and the way I was treated and the service I received is unbecoming of such a large national institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian multiple occasions. This last one XX/XX/XXXX. Attached is the letter I submitted requesting an accurate investigation with proof of HOW they investigated. This was mailed XX/XX/XXXX. Today XX/XX/XXXX, a week later Im receive notice its verified. Being mail takes up to 3-4 days plus 2 day weekend, there is literally no way they did any investigation. 

This account again WAS NEVER LATE, never a collection or insurance claim. This was PAID in full XX/XX/XXXX. The couch is in my living room! 

Please accurately report or DELETE as it should be!