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

I tried to obtain my free credit report from Equifax. They only way I can get it instantly is to PAY them. They will give it to you right away, if you pay them. But when you go to  XXXX  they ALWAYS say they ca n't give it to you, and that you must mail in your request along with enough personal information for someone to completely steal your identity if they opened the envelope.     It is my opinion, based on my own past and present experience with Equifax, and comments I am seeing from thousands of others on blogs, that Equifax has purposely made obtaining the free credit report as difficult as possible as many others are having the same experience I am.     In this day and age of financial institutions and consumers losing billions of dollars to identity theft, is it a responsible and prudent practice for Equifax to ask you to include a copy of your  XXXX , drivers license, social security card and other identifying information in  one  envelope to obtain your free report?     How many identity thefts and dollars lost can be attributed to Equifax corporation due to the hundreds of thousands of people who are sending their entire profile of sensitive data in one envelope to get a free report?     I have had money orders stolen so I can attest that mail does get open and stolen and many times by people that work for  USPS  or the shipping companies who are infiltrators that send data overseas. It happened to me and it was explained to me by the  USPS  and   XXXX   XXXX   this does happen.     Once again, big corporations have found loopholes to get out of following the laws, because many wise folks are not willing to send that data in the mail, so you are forced to pay them for a report.     I thought the credit reporting agencies mission was to protect the banks not setup opportunities for them to lose money through identity theft?     It is surprising to me that the CEO of a big corporation with all of its degreed leaders are not smart enough to see the lack of common sense in requesting these documents in the mail from consumers. Greed blinds people and clouds their thinking.     I had the same issue many years ago before this complaint site was established, with Equifax never being willing to send me a free credit report without mailing in all my sensitive data but I could always seem to get it online instantly if I paid them. Interesting how that works.     I was and always have been able to obtain the free report from  XXXX  and  XXXX .
Product: Credit reporting or other personal consumer reports

I have a student loan that is not listed correctly XXXXDEPT OF ED XXXX is showing 0 % PAID OFF when in fact it has been forgiven by The Biden-Harris Administration . I have attached the letter from the FEDERAL STUDENT AID Office of the US Dept of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to Transunion through USPS certified mail, Tracking Number : XXXX which was confirmed received XX/XX/2021 at XXXX XXXX  requesting items to be investigated with results sent to me in 30 days regarding erroneous information on my credit report. No response or resolution was granted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act, this creditor has violated my rights under 15 U.S.C. 1681 section 602 which states that I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for any purpose. In XX/XX/2022, XXXX XXXX XXXX XXXX violated this law, and placed a 30 day late payment on my consumer reports
Product: Credit card or prepaid card

I am a victim of identity theft. The Fraudulent Activity happened on XX/XX/2018 with a balance of {$9100.00}. I left my car open in a public place then I lost my bag with my cards and Ids inside it. Someone who has taken my things took advantage of and made this fraudulent account under my name.
Product: Credit card

In XX/XX/year>, I made a purchase of web design services on XXXX for the total amount of {$1000.00}. However, after a few months, I discovered that I had been charged over {$3800.00} without my approval. I immediately contacted Capital One to dispute these charges and provided all the necessary proof of my agreement with the XXXX vendor. This included evidence that I had requested a refund since the website was never completed. 

Despite my efforts and providing all relevant documentation, Capital One has failed to resolve my dispute. They repeatedly requested documents that do not exist, such as a written contract. As this service was conducted online, the only existing contract is XXXX XXXX of messages between myself and the vendor, which I have already provided. 

I am deeply disappointed with Capital One 's handling of this matter. As a loyal customer, I expected better support and resolution in such a clear case of unauthorized charges and unmet services. I request your assistance in resolving this issue promptly and ensuring that I receive a full refund of the unauthorized charges.
Product: Debt collection

This is my many attempt try to fix this issue. This account that collection is not mine even they said is accurate. Please remove this as is affected my credit report. I'm drained to this situation
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. I want the CFPB to publish this descriptionindicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent in an inquiry dispute to XXXX  for 13 inquires and Equifax for 7 inquiries being reported on my credit report in error. Along with this letter, I sent in copies of return receipts to each creditor on my report reporting inaccurate information.. On XX/XX/XXXX I sent certified letters to all 13 and 7 creditors on my report requesting proof that I I signed or gave permission to anyone from there company to run my credit. After 30 days I received no response from none of the 13 or 7 creditors reporting on my credit report. On XX/XX/XXXX I also sent letters to both listed creditors and credit bureau.. requesting validation again no response from the creditors and a letter from XXXX   stating that inquiries will stay on my report for 2 years. This is not the proof requested in my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX, XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Product: Mortgage

XXXX and I were XXXX dollars late on our mortgage on XX/XX/year> they asked if we wanted to stay in our home and then we paid the amount. XXXX had sicknparents taking care of them contributed to losing her job we became late again as of Mr Cooper asked if we would like to apply for a loan modification stated they may be able to lower our monthly payments. To do this we needed to be a month behind. Now many months later they had us listed as being 3 months behind and the actual monthly payments have gone up not down now they are saying we are 2 months behind and want to charge us an extra XXXX plus to tack the amount on the end of the loan. This would have us adding XXXX on that's not two months that's three months mortgage plus the fee. We needed help not to be taken advantage of
Product: Credit card or prepaid card

So two weeks ago I found a nets spend card in my name thought I resolved issue but another card was ordered and was in my mailbox I didnt activate but cant get information on how its being ordered and I have been having multiple issues over time with identity theft since XXXX my information license and signing student loans online with soc sec number etc bought cars etc its I closed my netspend account many years ago I have bank account so netspend XXXX XX/XX/XXXX. XXXX. XXXX XXXX is on card
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. Statis 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 1666 A Creditor May not treat a payment on a installment account under an open end consumer credit plan as late for any reason
Product: Debt collection

Repeated calls in violation of the DO NOT CALL LAW. This call was on XX/XX/2022 from XXXX no name on caller ID
Product: Payday loan, title loan, or personal loan

Notice of Agent I was Denied a loan application which is against the equal credit opportunity Act, I'm granting the company the right to extended credit to me therefore they have no right to deny a natural person. I am not a borrower and and I am credit worthy, further more my credit was used and I received no benefit from the use of my credit, an inquiry was placed on my consumer report which is a receipt of transaction meaning someone was paid off of my credit and I received no benefit at all ; in fact damages have been done from the denial of my rights mentally and financially. I have been discriminated against in pursuant of my right to receive credit 15 U.S.C. 1691 ( e ) ( a ) Any creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class. there is no law for reason of denial, for the damages that have been to my mental distress and financial reputation as I take my consumer report and life seriously. I will take this to a further federal level if my request to open an account in which an adverse action has taken place is not granted. I'm aware of my open ended credit plan and my right to contract unlimited without being denied, I demand your company reinvestigate this matter and abide by federal law and open up the account in which I have extended credit.
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 a 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: Student loan

the college I was attending was XXXX XXXX which is closed three weeksago. I had a private loan with Genesis Lending Company about XXXX andI am still paying for it even after the college ceases its service. So I amlooking for help to stop this payment and get a refund for all thosepayment I have done for more than a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XX/XX/XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXX n cant provide to my XXXXXX/XX/XXXX daughter PLEASE HELP ME PLEASE
Product: Mortgage

Bank Of America bought my mortgage, and added enormous fees, interest to my account. They also did not allow me to reinstate my loan so that I would be able lower the payment so that i could stay in my home
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX  . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the 15-day grace period : My payment for XX/XX/XXXX was made on time, which falls within XXXX 's standard 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Upon reviewing my account, I identified that my payment, which was made on time, was incorrectly marked as late due to an internal clerical error by XXXX. This error led to an inaccurate 30-day late payment report. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time. This documentation demonstrates that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION Account XXXX XXXX ..., has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX Balance Owed : {$100.00}
Product: Checking or savings account

Chase Bank mailed my debit card to an address I never gave, where it was immediately activated and used by someone who withdrew all the money in my checking and savings accounts. On XX/XX/23, I received a call from XXXX. The man said his name was XXXX XXXX and he was with Chase Bank Fraud Protection. He said he tried to call me on their main line of XXXX and asked if the number had been blocked in my phone. He stated there was an alert on my debit card and asked if I had bought concert tickets in XXXXXXXX XXXX When I told him I did not, he reported that he would close my debit card and mail me a new one. He asked my mailing address ( I confirmed that it is in XXXX XXXX XXXX ), and he told me I would receive a new debit card. He said if I wanted it delivered the next day ( XX/XX/23 ), they would waive the expedited delivery fee. 

Today ( XX/XX/23 ), I saw on my account that on XX/XX/23, someone activated the new debit card and made XXXX fraudulent withdrawals and XXXX fraudulent debit transactions from my checking account and XXXX fraudulent withdrawals from my savings account, all of which were in XXXX, XXXX. When I called XXXX at XXXX, they closed the debit card again and will refund the fraudulent charges. They confirmed that a XXXX XXXX XXXX representative had indeed mailed the new card on XX/XX/23 to a different address from the XXXX in my account, which must have been a clerical error, but could not account for why it was mailed to a totally different address where it was immediately used for fraudulent purchases.
Product: Payday loan, title loan, or personal loan

I got a XXXX dollar loan. I tried on 2 pay periods to call and pay the loan and at each time it was busy. This is the advertised number to call in the site. Since then they have taken XXXX a week. I let them take the loan amoubt before issuing the stop payment thru XXXX XXXX. I want to warn others but I want action taken. This is fraudulent. I know I have paid XXXX thus far. They got another XXXX today. Hopefully XXXX XXXX will get that back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX {$88.00} XXXX XXXX XXXX XXXX - Comed XX/XX/XXXX {$860.00} XXXX XXXX XXXX Closed Credit Card Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX   Closed Credit Card Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX Closed Credit Card Opened XX/XX/XXXX XXXX Illinois University XXXX XXXX Opened XX/XX/XXXX ( Been Reporting for over 18 years ) XXXX/XXXX  Other Opened XX/XX/XXXX XXXX/XXXX Other Opened XX/XX/XXXX XXXX XXXX XXXX Credit Card Opened XX/XX/XXXX XXXX/XXXX Other Opened XX/XX/XXXX Discharged Chapter XXXX Bankruptcy Reference # XXXX Individual Responsibility XXXX XXXX XXXX Credit Card Opened XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

This company do not have a legal agreement with me this company have not provided me with nothing with my legal signature with them this company fail to send anything that shows that l have a collection with them with there name on its and do they had a legal contact with me with my signature attached with them
Product: Debt collection

It was said that the account was staying on my report, there is also a CA address under me and I have never lived there.
Product: Bank account or service

I have a checking account with Chase Bank. I selected to not have over draft protection but instead if the funds are not in the account they are not to pay but to deny charges. On XXXX/XXXX/2017 charges from XXXX were presented for XXXX and XXXX ; Chase Bank paid these charges and then charged me XXXX NSF fee, after being instructed to never pay anything if the funds were not in the account. They are stating that the fee is a reocurring fee, even though I am only charged by XXXX when I purchase items and it is not reocurring. They credited back the NSF charge and the service charge but have not taken the XXXX and XXXX charges off my account and charged the merchant back. I am very upset over my instructions on my account were not followed and feel if they have done this to me, there are surely others which is adding up to a lot of consumers being ripped off.
Product: Money transfer, virtual currency, or money service

I had unauthorized transactions and when I spoke with them about it I was told their in nothing they could do about it It happened in XXXX a XXXX dollars
Product: Credit reporting or other personal consumer reports

There are inaccurate names, addresses, and inquires not authorized by me. Please block and delete this inaccurate information. FCRA states that the information on my credit report is supposed to be 100 % maximumly accurate. 
Inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Vehicle was traded in and signed over in XX/XX/2021 which lines up with the opening of my new auto loan. XXXX XXXX XXXX purposely didnt close out the loan until XXXX and listed me as late for the month of XXXX when the vehicle had been traded in since XXXX. This company also reported me late in XXXX when a payment was submitted in time.