23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I'm actually having problems with two bill collectors-Regions Bank and XXXX ( located in XXXX, AZ ). Since the new XXXX XXXX XXXX was appointed there has been an approximate 2 week delay in mail delivery. These 2 institutions are claiming they did not get the payments for the past 2 months, despite my bank saying they received the payments. I've tried to get both of these institutions to provide me bank with the ACH routing numbers and they refuse to, but insist on charging late fees, which I have told them I will not pay. I know, of course, they will likely report it to the credit bureaus, causing my credit score to go down, resulting in higher interest rates. Please help the consumers by requiring all financial institutions to use the postmark date as the payment date to stop the unfair practice of claiming they did not receive the payments and charging late fees. We should not have to pay for the post offices ' failure to deliver mail in a reasonable time. Two weeks is entirely tool long for a letter to be delivered when the payment can be driven to the payment certer within 2-3 days if they delivered it themselves. 

Thank you, XXXX XXXX XXXX
Product: Checking or savings account

Bank refuses to allow me to withdraw funds. Original request submitted XX/XX/2024. Requested the amount of {$2100.00} be send to me at my home address. Balance in account was, and still is, {$2100.00}. Have submitted four additional requests all for the same amount all getting rejected. Every conversation with customer service goes the same way. We have resubmitted your request. The account has the available funds so it should not be rejected. Then when I call back they explain there is nothing they can do besides resubmit the withdraw request. I have requested escalation of the request as well as the involvement of supervisions in the organization. No one can or will provide me with additional information and insist they have done everything they can to process the request.
Product: Credit reporting or other personal consumer reports

Incorrect information on credit report Account Staus incorrect Have you tried to fix the problem with the company Select Yes Did you request information from the company Select Yes Did the company provide the information No Next What Happened Entetr thhe following Recently, I did an investigation on my credit report anf found several items on thre to be inaccurate.

under 15 US Code 1681e ( b ) ( b ) Accuracy of report 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.

15 U.S Code 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 
Please remove the following items from the credit report immediately : SELECT PORTFOLIO SERVICING ( SPS ), SELECT PORTFOLIO SERVICING ( SPS )
Product: Credit card

Thank you for taking time to review my issue. 

I purchased XXXX tickets for an XXXX WEEKEND EVENT EACH WERE {$590.00} before taxes. Included in the cost were XXXX gift bags valued at {$400.00} each ( XXXX for each ticket ). At the event they ran out of gift bags and I was told to email the merchant to have them mailed. 
As instructed, I did as such and to date have not received any gift bags. 
The merchant emailed me back to say they would send it, but never did, and stopped returning my emails ( please see attached document ) NEXT, I took action through my bank and filed a dispute with Chase. 
I had to reopen the dispute several times. The last decision for my request for {$800.00} back of the approx {$1200.00} I paid was denied. I was told the bank " could not get the funds back, and they agreed that this charge was valid. This is fraud, and the merchant did not do as promised.
Product: Credit reporting or other personal consumer reports

Transunion is reporting XXXX transaction & experience on my consumer reports. Which violates me according to :, Per 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix this problem since XXXX, but the credit bureaus just go by the word of the Creditor. I reported to the bureaus that that account is not mine because it could n't be my signature because I was fresh out of the hospital from my XXXX and unable to sit up let alone write. I want to see that paperwork with my so called signature to prove that it 's not me. I have the right under the Fair Credit Reporting act to ask and get a copy of The contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Equifax was breached and about 143 million SSNs were stolen. I believe I am one of them.
I am filing this complaint in the hopes that they will be punished for their extreme lack of security awareness and sheer slothfulness is regards to this situation. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax and XXXX  verify their public records. 
I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. 
I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. 
Being that I work for a XXXX XXXX, I know the court system and their procedures but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the courthouse. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. The manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuse to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

I have attached a police report, FTC Identity theft, and Affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I applied for a Barclays credit card with XXXX rewards this past month. I got a letter stating that I was not approved due to the number of bankcards opened within the last 24 months. 
At the time of my request I had a credit score of XXXX per their rejecting letter which I am attaching to my complaint. 
I feel at this time they are not giving me this card due to the fact my last name is XXXX. 

Can you please look into this matter for me as I have a credit history with a good score so there should had been no reason to not approve me. 

Thank you, XXXX XXXX Application number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my credit report, I have found certain information that should be excluded outlined in 15 U.S. Code 1681a ( 2 ) ( A ), ( B ) and ( C ). I believe that any information about a transaction or experience with companies, can not be include on a consumer report and must be removed. 

XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX account # XXXX Under the Gramm-Leach Bliley Act, the consumer must be given the chance to direct whether they want the information about a particular transaction to be reported or not. This is referenced in 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ). Furnishing any information on my credit profile without my permission, constitutes as identity theft and is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1681b ( a ) 3 ( f ) ( i ). Also not maintaining a joint notification system amongst all consumer reporting agencies is also in violation of 15 U.S. Code 1681b ( e ) ( 6 ). 

Failure to respond satisfactorily with the removal of the above referenced accounts, and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for willful noncompliance which I will be seeking {$1000.00} per violation for : Defamation of Character, Negligent Enablement of Identity Fraud, Fair Debt Collections Practices Act 15 USC 1692g violations. Reminder under 15 U.S. Code 1681o you must comply with my instructions within 5 days. Additionally, continuing to show the information on the consumer report is a direct violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) of FCRA.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts from my report, they are hurting my ability to obtain credit, please remove all fraudulents accounts : XXXX XXXX XXXX XXXXXX/XX/year> TRANSUNION XXXX XXXX XXXXXX/XX/year> TRANSUNION XXXX XXXX XXXXXX/XX/year> TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit utilization inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute an inaccurately reported charge-off account associated with Account XXXX XXXX on my Equifax credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided. 

XXXX XXXX XXXX, XXXX XXXX. XXXX : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a XXXX form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no XXXX form has been issued, which raises doubts about the legitimacy of the charge-off. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity may constitute an unfair and deceptive practice in violation of the XXXX XXXX, 12 U.S.C. 5531.
Product: Checking or savings account

When I first opened my account with Discover it was strictly to save. And I put my {$6000.00} savings here thinking I could trust this bank. Then a few months later I check my balance and see my entire savings is depleted. Without me receiving any warnings or notifications about the purchases being made. So then I go through my banking app to whats going on and figure out why. My card information was someone confiscated or stolen online and a merchant by the name of XXXX was charging my account for {$99.00} multiple times a day never over that amount I guess not to raise suspicion. And over a few days my entire account was wiped without me knowing a thing. So I contacted discover immediately and they claim they are so sorry about this and opened a dispute for me supposedly that totaled around {$6200.00} or so for all of the charges. Then literally a few days later I call them because Im worried obviously and they tell me my claim had already been closed and posted as authorized not in my favor, I kid you not this was in 3-4 business days max. I felt no effort was put into an obvious scam of unauthorized charges on my account so I reached out to a supervisor. He said he was able to get the claim re opened someone and looked at again successfully and said they would even provide provisional credit within 10 business days if they needed more time which was very good to hear because I told him I have bills and this was my entire savings. So 10 business days pass, and I see no provisional credit nor any claim updates and every time I give them a call they give me the run arounds trying to extend the provisional credit date back further and further and even saying its no guarantee I will even get the provisional credit anymore and that their team is working on it. I even asked for my claim number and the guy told me he wasnt allowed to provide it to me because thats for their internal team to use only. So I feel like Im being bullied and not helped or even cared about at this point. This is my first and only claim I have ever filed with them so hopefully you guys can get them to re open it and get my funds back for all of this even though they wont give me my own freaking claim number. My name is XXXX XXXX XXXX XXXX & my date of birth is XX/XX/2001 & my social security number is XXXX & my address is XXXX XXXX XXXX XXXX TX XXXX. I will also include the screenshots of all of the clear fraudulent purchases below. Oh and somehow they were able to permanently credit {$40.00} from the same fliff merchant to my balance the same day I opened the claim as seen below as well but wouldnt work to get the rest back I think they just dont care about me as a customer and are to lazy to do my claim properly because of the amount of charges. I hope I am helped here and that they dont get away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax. Submitted dispute on suspected fraudulent hard pull. Was notifed by e-mail it was resolved. Followed instructions 3x to pull info on resolution. Gave accurate info and their Q & A section had no relationship to my account. Locked out of resolution due to their incorrect Q & A. XXXX for support, no response, no phone number provided for follow up on lock out, no e mail address provide by Equifax to contact. the companies customer support and systems are very 20th century, restrictive and dead ended..making follow up impossible. Seems deliberate way to frustrate consumers trying to address credit issues Equifa prevents customer from cutting and pasting info so one can not provide you with copy of there displayed pages, also deliberate to make reporting them more difficult.. When using XXXX for same types of issues, very up to date, easy and user friendly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used by an individual in XXXX Washington that tried to get a auto loan XX/XX/22. The dealership ran the credit app againts XXXX different institutions. I have locked all my credit bureaus.
Product: Mortgage

Bank of America Mortgage Loan # XXXX The lack of processing of our loan has thrown us into default within the terms of the Purchase Agreement. Due to my husbands future ( retirement ~ date unknown at this time ) I was told he would need to be removed from the loan application because he would not have the wherewithal to meet his financial commitments if he retires. When we applied for the loan our birth dates were stated ~ retirement is a fact of life as is XXXX. I retired XX/XX/XXXX with a reasonable pension from XXXX. We paid for an appraisal ( {$560.00}? ) which was completed and requested the appraisal be sent to us so that we could use it elsewhere. That has not occurred. Most importantly, we requested a letter stating the approval or the denial of our loan, which as of today 's date XX/XX/XXXX has not been received. We have pending damages if we fail to close on XX/XX/XXXX. Only personal note is that my credit score is XXXX and we are creditworthy applicants.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX - I sent a document to the XXXX Bankruptcy Court regarding the fact whether they provide Chapter XXXX BK information to any third party or credit reporting agencies. I now have a document stating they do not provide this information AND that they do not attach a complete social security number on any information. 

I then contacted XXXX  XXXX and got a security freeze and opted out of any of there information reporting. I now have a document which shows that my opt otu through XXXX XXXX has been approved AND a Security Freeze case number. 

In XX/XX/XXXX then sent a dispute letter to Equifax regarding erroneous information on my credit report regarding an old Chapter XXXX BK. I received a very QUICK within 5 days response saying they have verified all information as correct through XXXX XXXX. 

I then sent documents from the court house, from the freeze, and from the opt out to equifax regarding the fact that it is impossible they verified any information and I would like to know how they verified. 

It has now been 30 days and Equifax has yet to respond or to fix anything on my credit report. 

I have done and sent all documents required and all I get is silence.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors 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, remove 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$1500.00} XXXX XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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: Vehicle loan or lease

Navy Federal XXXX XXXX ( XXXX ) is a Broker-dealer wholly owned subsidiary of Navy Federal Financial Group , LLC which is wholly owned subsidiary of Navy Federal Credit Union , XXXX primarily serves members of Navy Federal Credit Union is a Securities intermediary broker, that in the ordinary course of its business maintains securities accounts for others and is acting in that capacity. As the investor that finance my loan as evidence of the CUSIP report that would indicate the return on the securities when invested. Through Navy Federal Credit Union Trustee malfeasance on the minor account a lien exist on auto title where there should be none. The UCC-11 indicates no lien exist in the UCC database , according to state law no other lien is valid.
Product: Mortgage

I received a closing statement from a Mortgage Bank in Puerto Rico called Preferred Mortgage. I am one of the heirs and was not part of the transaction or the negotiation of terms and conditions. The statement states that the closing already happened and it is my believe that the closing costs are inflated. In the statement it states that the seller will pay for all closing costs and I was not part of this decision.
Product: Credit reporting or other personal consumer reports

I just received my credit report for Equifax and XXXX, and they told one of my XXXX XXXX loan accounts are not being reported by the bureaus.
Product: Credit card or prepaid card

My bank thats saved isn't auto set up or even asked when setting my account up, so when I thought I was setting up autopay, I was actually only setting up a connected bank account. American express should automatically ask customers upfront whether they want to use a saved bank account for autopay for the new credit card account. 

Also, even if american express doesn't do that, they should make connecting a saved bank account and setting up autopay the same step. 

Finally, american express 's default setting is to notify the consumer 2-3 business days after the payment is due ( enough time to charge interest not for the benefit of the consumer ). The default setting for american express should be to notify the consumer BEFORE and On the day the balance is due not after when the credit card company has already extracted interest fees and late fees from the consumer.