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

I am submitting this CFPB complaint to express my deep concern regarding the unresolved dispute over erroneous accounts and information that has been inaccurately reported on my credit file. Despite diligently disputing these discrepancies for the past 36 months, I have yet to receive a satisfactory response from the Credit Reporting Agencies. This has caused significant distress and financial implications on my part, and I DEMAND their immediate attention to rectify this situation. I firmly believe in the utmost importance of maintaining accurate and up-to-date credit information, as it directly affects my ability to obtain credit, loans, housing, and employment opportunities. Therefore, I DEMAND the complete removal of the following erroneous accounts from my credit file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance : {$0.00} - Charge Off XXXX  XXXX CC XXXX Balance : {$0.00} - Charge Off XXXX XXXX XXXX Balance : {$0.00} - Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} - Charge Off XXXX  XXXX Balance : {$0.00} - Charge Off ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX. 

As per the Fair Credit Reporting Act ( FCRA ), it is the Credit Reporting Agencies ' duty to ensure the accuracy and fairness of the information they report. Failure to comply with the FCRA can lead to legal consequences, and I DEMAND that they avoid such a situation through their expedient resolution of this matter.
Product: Vehicle loan or lease

XX/XX/22 salesman text me asking if I wanted to make an appointment to come in. I responded : I'll have to wait. Had an unexpected expense and will need to be paid again to have a down payment If I wanted to proceed with the option to file taxes pay later how does that work To defer my down payment for a later date or when my taxes come in. They text back : last current check stub and file taxes with us here at XXXX XXXX with our XXXX XXXX  program. We've teamed up with XXXX to get you an early advance on your tax refund. When you come into the dealership your  XXXX  will assist you with filling out the tax estimator to see how much you can expect back. We can advance up to {$2000.00} of that now to use toward your down payment. It's a great way to get you into that dream car NOW instead of having to wait 3-4 months from now. If you're interested, I then responded : But if I only need XXXX what Happens the rest of it as I did not want to apply my entire refund to a car just XXXX They responded : we can do the XXXX  XXXX deal with the XXXX today if you wan na come in and we can inform you everything about it At this point I called my salesman and asked again for reassurance of my understanding on the XXXX XXXX program based on the sole fact that I didnt want to pay for XXXX for XXXX  miles and not leave with a car. The salesman assured me on the phone I would leave with a car using XXXX  XXXX. I made it clear I did not have a down Payment. The XXXX  XXXX promotion is advertised on their website and on site and says : drive now pay later use your future refund now Fast forward to arriving, test driving, even signing a contract, and when I was asked for the down payment, I reminded the salesman helping I was using the XXXX  XXXX program. He wasnt very pleasant, and proceeded to educate me on his interpretation of the program and said the program was for higher end vehicles requiring larger down payments and later said the XXXX  XXXX program would work with my chosen vehicle however I was required to pay half down and the other half come from my return. This Involved an increase in my required down payment that went from XXXX to XXXX now bc I wanted to go the XXXX  XXXX route. 

To conclude a very frustrating time, I was forced to leave using XXXX again with my own funds as they would not pay this for me even though they assured I would leave with a car. 

Once it was established I wasnt getting anywhere I was left to find my own way home and the sales  went on as he began calling potential clients and had nothing more to say to me. 

My request for resolution is clarity in writing of this XXXX  XXXXXXXX drive today pay later program and update marketing to clearly outline it isnt true as the salesman confirmed today and left me paying {$75.00} I. Rideshare fees out of pocket.

Bad business.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 


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: Mortgage

Hi, I set up bill pay and my payment date was moved early due to the memorial day holiday. At that time I did not have enough funds in my account to pay my mortgage. My bank notified me of that and noted I needed to move funds into the account by XXXX. I moved funds by XXXX and reached out to the bank to confirm the payment was processed. They said no it was returned with NSF and I had overlooked that it was XXXX EST not PST. 

That is all fine. So know that it was returned with NSF. I set up another payment to process on the XX/XX/XXXXSo the XX/XX/XXXX comes around and Dovenmuehle retried and pulled the first payment I set up that was originally returned with NSF as well as processed the second payment. I did reach out to the company via chat because their phone tree is horrific and they said they could not accept my request via chat and I would need to request it via mail or email. So I requested the refund via email the same day the 2 payments were processed. I did follow up the next day to check on an ETA on the refund. They did not respond. So 3 days later I called and asked about an ETA and it would essentially take 8 days from when I requested the payment reversal to get the payment back. Since it is past when my bills are coming due it is no longer useful so I requested to cancel it on the phone and they said I needed to send an email for it to be accepted meanwhile my emails get no response. 

I am frustrated because I was depending on that money to pay other bills and now I am receiving multiple fees and interest due to them retrying a payment returned with NSF without any notification to me. If I would have known, ie they sent an email when they received NSF stating that they were going to retry my payment I could have avoided this whole situation. 

At this point waiting until the XXXX will not be of any help as the due date for my other bills will have already passed and I am expecting another source of funds to come in then.
Product: Credit reporting or other personal consumer reports

There is major inaccuracies being reported by Equifax on my credit report, listing addresses, names and phone numbers that do not belong to me, which is not in compliance with 15 U.S Code 1681 FCRA LAWS.
Product: Payday loan, title loan, or personal loan

I purchased a phone online through XXXX back in XXXX for delivery by courier. The item never made it to me and the courier ended up never returning the phone back to XXXX, thus stealing the phone. I had taken out a loan with Citizens Bank through XXXX 's website for financing ( loan ending XXXX ). Once I started the claim with XXXX, they cancelled the order and refunded me the first installment that they charged me. I then noticed that the actual loan itself was still open on Citizens Bank 's end. I called XXXX and they reached out to Citizens Bank to tell them that the order was cancelled and the loan should be as well. I then called Citizens Bank when I realized that it was not and they told me that they will put in a request to close out the loan. I called again and was told that as soon as the refund was completed by XXXX, the loan will auto-close out. I waited a couple of weeks, logged on once I received the refund, and it was still open. I called again and was told that the loan never auto-closes and a request has to be put in for it to be closed or no activity on the account. I also want to add that I had another loan through them that I returned the phone and as soon as I made the return and was refunded, the loan was auto-closed. So that makes no sense. I called again and was told that I can request for the loan to be closed since it now has a {$0.00} balance or I can wait so many days and it will auto-close. I requested for them to put in a formal request. I waited again, logged on, and still open. I called again and then I was told that every time I called, that counted as new activity on the account ( I have never heard this before with any company ) and since I kept calling, it was restarting the 30 days or something of the loan closing out. I was also told that I should not be worried since the loan has a {$0.00} so it does not matter since no money will be auto-paid from my credit card on file. It has now been almost a month and the loan is still showing as open.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] XXXX XXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Assistance Regarding Unauthorized Inquiries on My Credit Report Dear CFPB, I am writing to formally request your assistance regarding unauthorized inquiries that appear on my credit report. Despite my efforts to resolve this matter directly with the credit bureaus, they have refused to remove these inquiries, which I believe are a result of identity theft. 

On [ XX/XX/XXXX ], I submitted an identity theft report to [ XXXX, Equifax, and XXXX ], detailing the unauthorized inquiries and the fraudulent accounts opened in my name. However, the credit bureaus have failed to take appropriate action to investigate or remove these inquiries, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2. This law mandates that consumers are entitled to have fraudulent information removed from their credit reports if they provide a valid identity theft report. 

I have attached copies of my identity theft report and relevant correspondence with the credit bureaus for your reference. Given the circumstances, I respectfully request that the CFPB intervene to facilitate the removal of these unauthorized inquiries from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX XXXX ] Attachments : Identity Theft Report, Correspondence with Credit Bureaus
Product: Credit reporting or other personal consumer reports

This letter constitutes a formal dispute of the following accounts on my credit report, which I believe are the result of identity theft : XXXX XXXX XXXX  XXXX : Account number : XXXX XXXX XXXX XXXX  : Account number : XXXX XXXX XXXX  : Account number : XXXX XXXX  : Account number : XXXXXXXX XXXX XXXX XXXX : Account number : XXXX I did not open or authorize these accounts, and I dispute the accuracy of all information related to them. I request that you immediately investigate this matter and remove these accounts from my credit report within four ( 4 ) business days. 
I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, which requires you to investigate and respond to my dispute. 
I have attached a copy of my FTC Identity Theft Report, my government issued identification, my social security card, and proof of my current address as evidence of this identity theft. 
I expect a prompt and thorough investigation into this matter. Please provide me with a written confirmation of the actions taken to resolve this dispute. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I tried to sign up with XXXX XXXX and found out transition had a security freeze on my account. Spoke to 3 people who would not tell me why but was told I would get a call this morning at XXXX XXXX, a time I requested. I was not called back. Spoke to XXXX in their US based specialized fraud team this morning. She said that a freeze was placed on me on XXXX/XXXX/XXXX. She said due to the XXXX issue the transunion system was overwhelmed and that when someone requested a freeze their system is freezing everyone with the same name. I asked what they were doing about it. She said they are going thru their system and seeing who should n't have been frozen. I asked how they would know which XXXX XXXX requested it and which did n't. She was unable to answer my question. The first person I spoke to yesterday told me since I had not request ed the freeze it may have been a family member. I find it very troubling that some one other then myself would be able to request a freeze on my account. Their own website says if I have a freeze I am mailed a letter with a freeze pin number. Guess their system mailed it to the wrong XXXX XXXX since I was never notified. I requested compensation for my time and inconvenience but was denied
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America - XX/XX/2019 Im not sure what happened just know it says fraud on my consumer report and I have never did fraud in my life!!!
Product: Credit card

I closely monitor my credit ( daily ) and I received a notification that there was a " Hard Inquiry '' on my credit report dated, ( today ) Thursday, XX/XX/XXXX from JPMCB. I have NOT applied for any credit cards with JPMCB or any other banking institution since XXXX of last year ( XXXX  ). As a result of this fraudulent " Hard Inquiry '' my score went down with XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the right to make sure that my private information is not shared which is backed by the 15 USC 6801 which states '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, Transunion, and XXXX do not have my consent to furnish this information nor did they have my written consent. Any and all consent from Transunion, XXXX, and XXXX ( XXXX of information to credit agencies ) whether it be verbal, nonverbal, written, implied, or otherwise is invoked. 15 USC 6802 ( b ) ( c ) states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non-disclosure option ''. ( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. 15 USC 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ) 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 ''. These accounts are an adverse item they are reporting again without my permission which is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 
Very Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has a car loan that now is currently closed reporting my credit report. The loan was opened in XX/XX/XXXX and paid/closed in XX/XX/XXXX. The loan is not mine and I do not own this car never did business in the form of a car loan with this company. This is fraudulent account.
Product: Student loan

My loans with Navient increase periodically, and I am making payments timely and in amounts greater than the minimum payment. I have spoken with them and they claim that this is from compounded interest. I explained that there should not be any compounded interest on these loans as I have not missed any payments. Originally the dates they said that they compounded my interest were dates I was attending college full time. I told them that and asked if I sent them proof, could they reverse it. They told me no. I GAVE UP! Then I got my most recent bill and it appears that my balance has gone up slightly again. I have not missed a payment and again I am paying amounts greater than my minimum payments each month. How is this legal? At this rate I will never get these paid off! 

XXXX XXXX
Product: Student loan

In XXXX, I began having to make my full student loan payments back to Navient. I had taken out XXXX loans through Navient XXXX formerly XXXX ) for school, one of which has been paid off. My monthly payment to Navient is {$460.00}. At the beginning of my repayments I asked Navient employees what my options were for lowering my monthly payment, as I did not have a full time job at the time ( and not until the end of XXXX ) and could not afford to make my payments. I was told I could not defer any of my loans as I was no longer a student, and my only option was forbearance - which meant paying $ 50/loan upfront ( {$150.00} in my case ), allowing you to have a monthly payment of {$0.00} for the next three months. So, my only option to " lower my monthly payment '' was to pay {$150.00} ; I needed the money to live and pay other bills. Navient also informed me you could only do this " forbearance '' for one year. So now to " lower my monthly payment '' for only one year, would still cost me {$600.00}. And once the year is up, the payment goes back up and I am back to square one. I am more than willing to pay back the loans but can not afford what I am paying currently. Navient has the worst customer service of ANY business I have ever dealt with in my life. They are unwilling to help and refuse to do so. I have constantly made calls over the past XXXX years telling them I can not afford these payments and that they are outrageous. I pay less money for rent ; that is appalling. I deter anyone I can from applying for loans with Navient. They have the worst service, hassle borrowers with phone calls when payments are late ( more than one call a day ), and do not give any options of fair repayment plans.
Product: Credit card or prepaid card

I made a promotional purchase with deferred interest for 6 months on my Lowes credit card, managed by XXXX XXXX. In the meantime, I made smaller purchases and have always paid off my card balance for each month or made the minimum monthly payment of {$25.00} to cover the deferred interest promotion requirements if I made no purchases. Last month, I paid off my monthly statement balance {$50.00} with an extra {$25.00} towards the promotional purchase. When I opened my statement this month, I was surprised to see interest charged to my account Thinking that maybe I paid the balance late, I checked my last statement, and it was due XXXX/XXXX/XXXX, and payment was received XXXX/XXXX/XXXX. Since the promotional purchase was not due, there should be no reason for interest to be charged to me. 

I called Synchrony, and it turns out that they decided to apply my payment differently this time. Although I only truly owed {$50.00} for last month ( not withstanding the *additional* {$25.00} payment made ), they only applied a portion of my payment towards the {$50.00} and charged me interest on the unpaid portion of the {$50.00}. This is absolutely unacceptable behavior! Their representative, XXXX, refused to explain why they did this or even what portion was of my {$75.00} payment was applied to the {$50.00} owed that month. He did agree to waive the {$0.00} interest charge. It is plainly obvious why they did this - they wanted to increase their revenue at the end of the year. While {$0.00} is n't a large sum of money, how many other customers have they done this to and likely for larger amounts. 

While the credit card statement gives the usual perfunctory legal language about " applying a payment in a different way, please call Customer Service '', it is very underhanded. This is fully reminiscent of how banks did " ordering '' to maximize overdraft fees. And, CFPB filed a lawsuit earlier this year against XXXX XXXX XXXX  on this issue, I believe. CFPB should put a stop to this as well.
Product: Credit reporting or other personal consumer reports

According to15 U.S.C 1666B The timing of payments creditors may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Please review these accounts for any violations of the fair credit reporting act. 
XXXX XXXX XXXX Account number XXXX ) XXXX. ( XXXX XXXX XXXX ) XXXX. ( XXXX XXXX XXXX Account number XXXX ) XXXX XXXX  ACCOUNT NUMBER XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX Account number XXXX XXXXXXXX XXXX Account number -XXXX XXXX. XXXX XXXX account number XXXX XXXX. XXXX account number XXXX I would like these accounts removed if no evidence is provided that I was notified 21 days before the late payment would be posted on my account. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau or XXXX  
ACCORDING to 15 U.S.C 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except