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

In accordance with the Fair Credit Reporting Act. 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  has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 or other personal consumer reports

XXXX XXXX XXXX Checking account Closing an account FIFTH THIRD BANK XX/XX/2022 Closed Company responded in accurately. They have me in XXXX XXXX and delinquent when they never paid the vendor to charge fees. When there should not had been a charge of over draft because I did no elect it. And when asked for the information they never itemized the charges in my compliant it sent to to me they just created an amount and kept charging fees for that defamation. I shouldnt had accumulated fees on a charge they never settled. This is and error and I want it corrected and removed from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Inaccurate Reporting and Repossession Issue with XXXX XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding the inaccurate and misleading information being reported by XXXX XXXX on my credit report concerning a repossession. This complaint involves XXXX XXXX reporting inaccurate account information that is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as well as other federal consumer protection laws. Below are the details of the issue : Summary of the Issue : I financed a vehicle through XXXX XXXX  under account number XXXX. This vehicle was repossessed, and XXXX XXXX sold it at auction on XX/XX/XXXX, for {$15000.00}. The original amount on the loan was {$17000.00}, and the full balance was reported as paid off after repossession. Despite this, XXXX XXXX has continued to inaccurately report the status of the account and the repossession on my credit report in the following ways : Multiple Repossession Entries : XXXX XXXX has reported the repossession for both XXXX and XXXX of XXXX, which is misleading and creates an impression of multiple repossessions for a single incident. This reporting of duplicate repossession entries is inaccurate and damaging to my creditworthiness. 

Misrepresentation of the Loan Balance : Although the vehicle was sold for {$15000.00}, XXXX XXXX continues to report inconsistent information regarding the balance, which is contributing to confusion and further harming my credit score. 

Violations : XXXX XXXX 's actions violate the FCRA by : Failing to ensure the accuracy of the information reported to the credit bureaus, specifically regarding the duplicate reporting of repossessions and misrepresentation of the balance. 
Failing to update the account status in a manner consistent with the law after the repossession and auction sale of the vehicle. 
Harm Caused : These inaccuracies have significantly damaged my credit score and my ability to obtain credit on reasonable terms. Additionally, this inaccurate reporting is causing undue stress and hardship as I try to move forward from the repossession. 

Actions Requested : I respectfully request the CFPB to investigate the actions of XXXX XXXX and compel them to : Delete the entire trade line for this account from my credit report due to the inaccuracies and harmful effects of their reporting. 
Ensure that XXXX XXXX fully complies with federal law by providing accurate and fair information to credit reporting agencies. 
If the CFPB finds that Ally Financial has willfully violated the FCRA or any other relevant federal statutes, I request appropriate corrective actions be taken, including fines and any other sanctions deemed necessary by the Bureau. 

Thank you for your attention to this matter. I trust that the CFPB will take immediate action to investigate and resolve this issue in accordance with federal law. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I did a Mobile deposit of my payroll check. I received email confirmation that my deposit was received and accepted. Was told that it would take up to 2 business days for it to process. IF my account was under 90 days old, it could take up to 4. My account is almost a year old so the 4 days should not apply to me. After the 2nd business day, Tuesday XX/XX/year>, I contacted the BMO customer service who explained there was a hold until XX/XX/year> end of day. So I could potentially access funds on XX/XX/year>. I called the branch manager of the bank I opened the account at and he explained that the check was held for " payability concerns ''. The payroll check was drawn off a major bank. The company has NEVER had a overdraft so the payability concern is an issue. I offered to have not only the writer of the check contact whoever to confirm the authenticity of it, and I also offered to have the branch manager of the bank that the check was drawn from to call to verify but neither was accepted. I have now provided the bank with a copy of the check CLEARING from the bank it was drawn off of, but still can not access any of the funds.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  This matter is going to become serious if I don't see the appropriate relief from this collection forthwith. I don't owe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but I do have some very strong complaint letters to send and file up with lawsuits pursuant to G.S. if we can't remove this collection immediately. 

I've provided documentation that states XXXX XXXX did not have the signed move out form with the correct date which would have had me owing a balance of XXXX. 

I left this property due to grossly unsafe conditions orchestrated in some part rather actively or passively by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They could be civilly and criminally responsible for physical and mental damages to my health while at the property and severe financial loss. 

The thought that I'd ever pay XXXX XXXX XXXX XXXX or what they let happen to me at XXXX XXXX is the most XXXX XXXX thing I can think of and the fact XXXX can sleep at night is proof XXXX will not be hot enough for some people. 

I want this off my credit forthwith or we are all going to go to court with a story for the ages and I'm going to leave with big checks and pursue criminal charges. 

respectfully, XXXX XXXX XXXX XX/XX/1979 XXXX XXXX XXXXXXXX XXXX XXXX  I am filing a formal complaint against all parties but this should be simple for XXXX XXXX They don't have a required signed move out letter because XXXX won't release it. Therefore they have no debt. I have fled a complaint with their XXXX the CFPB, and have made the credit bureau 's aware this debt is invalit. 

You are preventing housing for someone with a XXXX and I'm tired of it. At this point I'll pursue this in every legal way I can starting with criminal complaints to XXXX Police and the Federal Bureau of Investigation if I can not get this removed from XXXX experian and XXXX XXXX. 

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

In accordance with the fair credit reporting act XXXX XXXX XXXX {$550.00} balance has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX {$7800.00} has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX # XXXX {$0.00}. has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX  XXXX {$130.00} 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

I was a XXXX XXXX customer between XXXX XXXX and XXXX XXXX. In XXXX XXXX, I discontinued my XXXX. XXXX charged me a {$130.00} " early termination fee '' ( ETF ), alleging that I had agreed to such a fee previously. However, I had never entered into any contract with or agreed to any " early termination '' clause with respect to my XXXX. I asked my bank, XXXX Bank XXXX XXXX, to mediate the dispute. After contacting both sides, XXXX issued me a refund for the {$130.00} that had been erroneously and illegally charged to my account. I naively assumed that the XXXX Bank decision would settle the matter. 

However, XXXX continued to pursue me for this money, even after XXXX Bank resolved the mediation in my favor. XXXX referred this debt to a collection agency, XXXX XXXX, so I filed a complaint with the CFPB ( XXXX ) against XXXX and XXXX XXXX. XXXX responded to the CFPB to state that XXXX had, " closed and recalled this account, '' and, " XXXX XXXX will make no further efforts to contact you. '' However, this adverse item continues to appear on my Equifax credit report. I disputed the adverse item with Equifax and they refused to remove the item from my credit report, even though XXXX XXXX has provided XXXX evidence that this is a legitimate debt. 

I am contacting the CFPB for their assistance in mediating this issue with Equifax, and to help remove this black mark from my credit report.
Product: Credit card or prepaid card

I made a purchase on my Sportsman 's Warehouse card ( Comenity Capital Bank ). I had previously had my account setup for automatic payments of the full statement balance. Roughly two weeks prior to my payment, I cancelled the automatic payment, receiving email confirmation that it was in fact cancelled and that a payment would not be withdrawn. I then setup a new automatic payment of {$400.00} per cycle. I also received email confirmation of this. Forward to my payment date of XX/XX/30 and a payment of {$1100.00} is instead taken via ACH from my checking account. I notify them immediately and am told they will take care of it. After a week, nothing is done and I called back. I was told that it can take 14-21 business days for them to credit back the money they removed from my account without authorization. I was told that a " system error '' caused this. I asked to be compensated for the issue and the theft of nearly {$750.00} from my checking account. To date they have refused to do so. I have asked for a call from their " refund '' department and have had no return contact.
Product: Credit card or prepaid card

I applied for paypal credit through XXXX because it was an option. Once I was approved for a XXXX credit score I could not used the card because it showed the purchase as being to risky. So I ran my credit which hurts my score for a card that I only got for this purchase because my phone is taking a XXXX on me. I think the fact that they are on XXXX XXXX but wont let a purchase go through is misleading and causes people to run their credit for no reason. I would have never run my credit had I not been able to use it.
Product: Vehicle loan or lease

We sent our final payment for the Infiniti auto loan when we sold the vehicle. The company that bought our XXXX XXXX  paid the payoff in full, but we already had our monthly payment scheduled through the online bank. Infinity cashed this amount of {$570.00} and refuses to refund it. Our bank confirms that this account was posted and withdrawn by Infiniti on XX/XX/XXXX. We called a number of times and receive different answers from Infiniti, and they are still refusing to send us our money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX / Account number XXXX, XXXX XXXX, XXXX. In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I have submitted several bill payments using Charles Schwab bill payment service on XX/XX/XXXX. 

These payments have not even been processed until XX/XX/XXXX according to the information available online, and some of the payees still have not received the payments as of today, XX/XX/XXXX almost TWO WEEKS since the requests were submitted. 

As a result I have been charged interest and late fees on the payments that missed the due date because of this delay. 

I have noticed that Schwab chose to use paper checks for these payments rather than electronic transfers, which was probably the main cause of the problem. The same payees have been paid via electronic payments in the past. 

When I called support, I was informed that bill payment service is provided by a third party, and Schwab has neither control nor responsibility over it. I find this unacceptable, because I am a client of Schwab, and bill payment service was promised to me by Schwab, not by a mysterious third party ( for which Schwab support wasn't able to even provide a contact number for me ). 

My request for a refund of the expenses I incurred due to this delay was rejected ( the support person literally laughed when I mentioned it ), and I was advised ( probably, sarcastically ) to contact USPS, since they are the ones responsible for the delay, according to Schwab.
Product: Mortgage

We refinanced with freedom mortgage XXXX 2017 due to being behind on our taxes by 2 quarters.  After signing all of the closing papers with all of the correct information,  6 months go by and they send us a mortgage statement with an increased payment by $XXXX. Which was $XXXX to $XXXX. And they also increased our escrow payment by $XXXX. Which was $XXXX to $XXXX. Our tax office said that freedom mortgage never did a proper tax search. I have every document possible to back my side that I will be faxing.
Product: Credit reporting or other personal consumer reports

Experian refused to update my personal information and delete inaccurate address on my consumer report. I called in to the fraud department and he told me the information was sent in from accounts associated with identity theft. I informed him to delete the address he said no.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent written disputes via USPS mail in regards to unknown accounts reporting in error on my consumer credit report. Furthermore, after 45 days with no response, I sent another dispute request on XX/XX/2022 via registered mail with USPS demanding that these unknown accounts be removed from my consumer report immediately. However, it has now been over forty-eight ( 48 ) days and I have yet to receive any correspondences regarding investigating my disputes. In addition, according to the FCRA Section 611 ( a ), a failure to investigate consumer disputes within 30 days gives reason to lawfully remove those items from my credit report immediately. At this point, I am filing a formal complaint due to the consumer reporting agencies failing to comply with the federal laws that protect me as a consumer. Moreover, this entire dispute process is stressing me out and the unknown accounts reporting are impacting my ability to obtain reasonable financing to purchase a home for my family! Therefore, I am requesting for you to immediately remove the unknown accounts listed on the dispute letters or I will take further action and pursue litigation. Please review attachments for the dispute requests and thank you in advance for your immediate attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

They are reporting information that is not XXXX XXXX compliant and they are in violation of the FCRA. All accounts and codes are included to document proof of these violation before litigation.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXXwestlake financial scv, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Payday loan, title loan, or personal loan

They called me on the phone and they told they were going to consolidate my loan to a single payment. They told me that they would help me stop paying two loans every month. I said OK and then they said they were going to charge me {$5800.00} for both of my loans which is about {$6400.00}. I agreed, after a few months i found out they were not paying, then i called them several times and they don't pick up my call. Later they called me back and said I did not have enough money so i said OK. I continued paying until i got to {$1900.00} and called them and they told me that they had started paying so I was happy and continued paying. Then I received a call from the loan company and they stated they have not received any payments. Then I called them and they stated they were speaking to a particular person. After that call i called my bank and stopped payment due to losing my job. I have been calling them to cancel the whole thing, I was able to talk to them after several calls, they told me they sent me an email stating they had canceled. they also left me a voicemail to call them back. Every time I call their toll free number I get the operator and they transfer me to another company that sells cars and they state it is the wrong number. Since then I have been calling them so they can refund my money and all they refunded me was {$5.00} which I was paying {$250.00} a month from XX/XX/2018 til XX/XX/2018. I then started paying {$280.00} a month then to XXXX. A total of {$2400.00}, out of this balance they only paid {$600.00} to one of the loan company. I have a bad credit no money and I don't know where my {$1800.00} is! I haven't heard from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update these suspicious information I found on my Credit Report. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus. This was already included in my prior Complaints, and I'm including them again. The accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3000.00} are erroneously reporting on my Credit File.
Product: Mortgage

I am writing to file a complaint against Planet Home Lending regarding their mishandling of personal information and my homeowner 's insurance payment and the subsequent distress and financial impact caused by their actions. Planet Home Lending issued an unauthorized payment of {$14000.00} check to an insurance company with which I have no account or contractual agreement. This unauthorized payment was conducted without my approval or signature. 

Planet Home Lending did not perform due diligence to confirm the legitimacy of the insurance company before issuing the check. Their failure to check for a contract or agreement with me demonstrates a significant lapse in their procedures. 

This unauthorized transaction has caused me significant distress and financial inconvenience. My mortgage payment has increased, and I had to retrieve the payment from XXXX myself. The situation was entirely avoidable and caused by Planet Home Lending 's negligence. 

Planet Home Lending has not taken accountability for their error. They admitted the mistake but have left me to resolve the issue on my own. Their response has been inadequate, and they have not offered any compensation for the inconvenience caused. 

Planet Home Lending 's failure to protect my personal and financial information, combined with their neglectful procedures, has caused me undue stress and anxiety. Their inadequate response and lack of accountability are unacceptable.
Product: Student loan

Navient is trying to collect over {$50000.00} in loans from me however they can not and will not provide proof that this money was ever paid to any school on my behalf and also they say they will not show any proof that as long as they say I owe it they will make me pay for it, and also they are reporting XXXX different accounts on my credit report which I was not told that would happen each year that I filled out a XXXX I was not aware that they would report each amount differently under different account numbers this should have been disclosed with any XXXX or Master promissory note is filled out and also Navient refuses to offer help to clear up anything and they simply say you are going to pay it.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX us sm bus admin Oda, 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 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