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

XXXX XXXX  Yard CardI have a credit card with them. When the company switched to a new system, my monthly payment doubled. I called about the concern of this, and they stated that this is an ongoing issue and to only pay {$100.00}. The collection calls started to come in, and I explained the situation to them. They said they did see my account was noted and that this was in fact an issue and that it will be resolved shortly. I expressed my concern about this affecting my credit ; they assured me that it would not because this is on them. Today, I received a notification stating that my account was marked delinquent. I called, the first lady I spoke to : told me " if i didn't change the tone of my voice she was disconnecting the call '' Im sorry, but if your credit score just got rocked for no reason, you'd be in tears too. The second lady i spoke to was VERY helpful and told me that she will look into this has she can hear the frustration in my voice, but unfortunately their response was that there was nothing they could do until the account services figured out why this is happening to many accounts and that they will contact the credit bureau when this is resolved to let them know that it was an incorrect report. This has been occurring since XXXX.
Product: Credit reporting or other personal consumer reports

Experian had violating my rights. I disputed a collection that is XXXX XXXX. Its originally XXXX. This was fraudulent and I submitted a police report from XXXX and this was removed. Now XXXX has sold it and Experian is letting the collection agency report the same account that was fraudulent which is a violation. They are willfully aiding and abetting identity theft. They investigated and verified this as mine on XX/XX/XXXX on dispute XXXX. 

I have attached the police report from XX/XX/XXXX showing the tmobile account listed as a fraudulent account and they removed it but are now reporting the same account by a debt buyer who I do not owe a debt to on a fraudulent account. 
This is unacceptable and a violation of 15 usc 1681c-2
Product: Checking or savings account

Capital one closed my account with a balance of XXXX $ and have yet to send me my money.
Product: Debt collection

The original creditor agreed to delete from credit report once the debt was paid in full. Please remove.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union in regards to multiple overdraft fees that have incurred on my account. Despite have sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit for similar practices. Practices where transactions settled with insufficient balances despite there being initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Vehicle loan or lease

I purchase on loan the XXXX XXXX XXXX with the Bridgecrest XXXX XXXX XXXX ) company on the XX/XX/XXXX and paid for some of the loan but could make it due to lack of enough money until they came and reposes the vehicle on the XX/XX/XXXX at the amount of {$16000.00} with a compound interest of 23.99 % because i didn't have enough credit score at my first purchase. 
Since then the company has been charging me on daily interest and my balance now is showing {$26000.00} on the credit report. 
This is stopping me from getting any auto loan anywhere. 
Please a very good positive answer will help me move forward with my life. 
Thanks
Product: Vehicle loan or lease

A late fee was charged on XX/XX/XXXX which i dont't have a problem with. What i do have a problem with is the fact that the policy of " one late fee waiver for the life of the loan '' has never been disclosed to myself in the 3.5 years that I have had this loan. When trying to talk with customer service, the reps are rude and the supervisors aren't much better in terms of being rude condescending and putting the blame back on the consumer. 

Also, I do believe contrary to the sarcastic rude supervisor i spoke with in the XXXX o'clock eastern hour on XX/XX/XXXX that banks are actually required to disclose all policies and procedures. I say this as the supervisor had the audacity to state " Citizens isn't required to disclose any of their policies to acct holders '' That phrase to me seems like a class action lawsuit just waiting to happen ( not stating anything other than what is stated, so don't read into it )
Product: Mortgage

On about XX/XX/XXXX, we were solicited by Lakeview Loan Servicing , LLC for a refinance of our mortgage. Lakeview is the loan servicing company for XXXX which held our existing mortgage. XXXX had us spend countless hours providing them with information and documentation. They had us pay for an appraisal that cost us {$740.00} and after more than 5 months they ultimately denied our application based on vague and ambiguous reasons, e.g. " Too Many Inquiries ''. They allowed one loan lock period to expire without any communication. When we inquired about the status they asked for more information and extended the loan lock period to XX/XX/XXXX. During this time our financial activities were put on hold while we waited for their decision. They could have and should have made their decision prior to us spending all that time and money on their refinance process.
Product: Debt collection

XXXX XXXX XXXX mill stream ct XXXX fl XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Texas, XXXX To Whom It XXXX Concern, I am writing to dispute a discrepancy that I have discovered in the PAYMENT HISTORY section of my credit report related to the following charged off account : Affirm Inc - XXXX I have noticed that this account is still being reported as having a payment history each month when it should not since despite this account is being charged off. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. 

As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable XXXX Protection Laws. 

Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. 

Thank you for your attention to this matter. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX. XXXX Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. XXXX. XXXX Dear Sir or Madam : As of XXXX whats reported on XXXX Report still displays a fraudulent account on my report. Its not on XXXX  or XXXX. I am writing to dispute the following information in my credit report file. I have attached several documents to show the fraudulent alleged accounts claimed that I owe. This account DO NOT EXISTS ON XXXX  NOR XXXX. 
The items I disputed on the attached copy of the report I received.The information on XXXX XXXX XXXX account number XXXX with a balance of {$570.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt.Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit reporting or other personal consumer reports

I filed cfpb claim # XXXX on XX/XX/year> against Experian for improper use of my information. I asked them to remove the items off of my report. Experian responded back saying the incorrect account on my report has not been changed and will remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have accounts with XXXX XXXX XXXX XXXX  XXXX al XXXX and its never been my address but refuses to delete the information
Product: Mortgage

We wish to file a complaint against Planet Home Lending , LLC for not honoring the auction of a property. 
on XX/XX/year> we won the auction of a property in XXXX XXXX, VA via XXXX in the amount of {$210000.00}. Planet Home Lending , LLC pulled the property and re-listed it on XXXX 
We again won the bid and were told we meant the reserve at {$210000.00} on XXXX XXXX. 
Planet Home Lending , LLC then pulled the property from XXXX and relisted it on XXXX. 
I tried to make a bid and was denied. I called 2 other Realtors who were also unable to make a bid via the XXXX. I emailed the asset manager and was told they had accepted a bid and have 3 backup offers and have since removed the home from the site.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully drafted a letter after reading about fixing my credit on my own. 
I have wrong names and addresses and previous employers that are wrong and multiple accounts that are labeled as charge off with balances still owed and that is illegal to report that along with the fact I never received a 1099 for these items and some other accounts I was not late on and don't belong to me. I demand you delete this non-compliant listing on my credit, or I will seek damages in court
Product: Credit reporting or other personal consumer reports

Today through XXXX XXXX XXXX, I find out my social security number is compromised and on the XXXX XXXX  Therefore, I went onto the free credit reporting website to get my credit reports. i got experian ok, XXXX i did earlier, but equifax was impossible and keeps telling me there's an error and they are unable to provide it. I don't know why. Also, regarding experian, they have the lowest of the 3 companies for my FICO score and i don't know why- they aren't acknowledging that i have excellent payment on my current and most of my credit cards, that i have a long good payment history except for 6 cards i had to close and pay off/charge off, but why isn't my score improving? And, how long does the charged off card ( s ) stay on my credit reports/fico score as a negative against me, isn't there a time limit by which they have to come off?
Product: Credit reporting or other personal consumer reports

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. XXXX Account Number : XXXX this inaccurate information on my credit report.
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.

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 XXXX 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: Mortgage

On XX/XX/2022 a major storm came through our area and did a lot of damage to our home and outbuilding and our rental home and outbuildings XXXX mile down the road from us. 
Bank of the West ( XXXX ) is the mortgage holder on both properties- we have 2 conventional loans- one on each property. The insurance company has assessed the damage on each home/property and wrote the checks to us and the mortgage holder ( BOW ). The damage on each property is around {$100000.00} per property. BOW is telling us that they follow " XXXX '' Loss Guidelines and will only release {$40000.00} on each loan to us to make these major repairs. Then they tell us that we are required to pay for all the repairs and that the repairs must be 100 % completed before they will inspect and release any additional funds to us. Not sure how we can be expected to pay for these repairs out of our pocket since they are holding our insurance money that is intended to pay for these repairs. We have reviewed our mortgage papers and there is no mention of " XXXX '' XXXX nor any schedule in regards to release of insurance loss funds. They also tell us that if repairs are not made by a certain date that they will apply insurance funds to loan. We just want our home repaired without any hassles from the Bank! We will provide documentation if needed, Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have private XXXX XXXX with XXXX. I completed my XXXX  in XX/XX/XXXX, and they reported me as late then and when I contacted them, they said they had the wrong date for last XXXX. They corrected some of the late payments reported. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to their website, you have 6 months deferment before loans are delinquent. As of today, they have reported my loans as delinquent and that is incorrect. They have bad practices internally ... how does this happen to XXXX person XXXX? 

I have attached a snip it from their website showing the XXXX deferment and I have attached my transcript showing i was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Dear CFPB Representative, I am writing to you in regards to a dispute I have had with Capital One regarding a fraudulent online course purchase that I made on XX/XX/2023, using my Capital One credit card. I am hoping that you can assist me in resolving this matter. 

The online course was purchased for {$1500.00}, but it turned out to be a scam. I immediately contacted the merchant and requested a refund, but they did not respond. I then filed a dispute request with Capital One and provided plenty of evidence to support my claim, including the fact that the online course access was removed from me even though I paid for it. 

Despite my efforts, Capital One has denied my dispute and closed the case, stating that I need to contact the merchant directly to resolve the issue. I have already tried to contact the merchant and have not received any response. 

I believe that Capital One is not fulfilling its obligation to protect its customers from fraudulent merchants. I am seeking your assistance to resolve this matter and to ensure that I am not held responsible for this fraudulent charge. 

I would appreciate your prompt attention to this matter and look forward to your response. Thank you for your time and consideration.
Product: Credit card

a user on XXXX was offering services such as classes to teach others about information pertaining to finances, filing taxes as this, they continued to charge for thing 's, they themselves didnt produce ; it came to my attention as of XX/XX/year>, I attempted to seek a refund through XXXX, as they were the third party involved in processing these transactions, and they refuse to refund this money, even though evidence was provided that the user had scammed not only me, but multiple people, totaling in over XXXX XXXX dollars worth of revenue off the backs of the unsuspecting, and overly trusting people that paid for her " services '' XXXX on XXXX if you need refrence. I never received the link to XXXX as promised and as proof attached she continued to reschedule classed making the 8 week class longer than required. Which would require me to pay another {$490.00}
Product: Mortgage

I send payments to this company every month at the same time I pay my first mortgage payment. Always they say I am late or they didn't receive my payment. Then they add late fees and threaten foreclosure. I have even sent them two extra payments and they claim I am behind again.
Product: Consumer Loan

Volkswagen credit sent me a {$0.00} balance statement from my payoff of my lease XX/XX/XXXX. In that statement in shows that all Residual Value, Fees, Taxes, Scheduled Payments, Rent Charges are included and they gave me a payoff amount of {$26000.00}. I remitted that amount and they sent me my title. 

XX/XX/XXXX or XX/XX/XXXX VW Credit started sending letters asking for an additional {$540.00} for property tax that they say they paid XXXX. I provided the documentation of the final billing statement and the title that was issued and asked for some documentation of the property taxes. I especially pointed out that if they are claiming that the property taxes were paid XX/XX/XXXX, they certainly should have been on the statement that I received on XX/XX/XXXX or shown as possible charges on that statement. VW Credit has refused to provide any documentation showing an error whereby they did n't include the taxes, nor have they provided any documentation that they actually paid the tax. When I go to the City of XXXX to see the documents I ca n't get access to everything because I was n't the owner of the car when that bill was allegedly paid. So, I have nothing to go on. Further, when I have shared this with VW Credit, they have twice threatened to send me to a collections agency if I do n't pay their demand for {$540.00} - even though they refuse now to provide any documentation of the bill. 

I feel I am being harassed and threatened and according to XXXX at VW Credit ( ext. XXXX ) there are a bunch of consumers who are being harassed in the same way without documentation of taxes paid.
Product: Money transfer, virtual currency, or money service

I ( U.S. Citizen ) sent a {$100.00} payment to a friend ( U.S. Citizen ) to reimburse him for a hat he bought for me. Venmo took the money from my checking account and is refusing to send the money to my friend claiming they must review the transaction. At this time at least three Venmo analysts have reviewed the transaction and they still have not released the payment.
Product: Credit reporting or other personal consumer reports

DELETE, CEASE AND DESIST ALL CREDIT REPORTING USING ALL CREDIT. 
This notice is to inform you that you unlawfully reported fraudulent accounts and inquiries that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

15 USC $ 1681b ( c ) Furnishing reports is connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of accounts and inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :
Product: Debt collection

I have tried contacting my debt collectors and asked for what exactly I owe since I have had fraud on many accounts. And they have failed in providing anything to me so I can send it to my lawyer
Product: Mortgage

I fell behind on Mortgage and I am now currently behind by XXXX, I requested a forbearance so I can catch up on my payments, My payments are XXXX per month with an interest rate of XXXX percent, I am in a VA streamline loan program and I was sent the Modification which will begin in XX/XX/year> would be and increase to my interest rate to 6.5 % and and increase in payments to XXXX per month for XXXX  years and when I asked for help I was sent in circles and no one knew anyway to help me. I received XXXX per month and XXXX is close to 90 % of my income. I have called on numerous occassion to resolve this only to be told I dont qualify for anything but the modification. They know this is not feasable and there are no other resources, I have applied with the HAF program and I am waiting to hear back. So bottom line is this company wants me to pay for XXXX  years an increase of XXXX plus the XXXX for XXXX years on a debt of XXXX. They want me to lose my home, I am a veteran 100 % XXXX XXXX XXXX XXXX XXXX XXXX. How can this company continue this kind of practice, it unethical and please help.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$720.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.