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

Account XXXX : XXXX. The late payment in question is reported by XXXX XXXX XXXX for the period of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TRANSUNION. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX allowed a company that i've never done business with to check my report. I'm opted out of all prescreened offers. Granite Bay Acceptance think they're an exception to the rule. These credit bureaus need to be disbanded, they're allowed to do anything they want without repercussions. You must jump through hoops to get illegal items removed from the credit report because cra 's are in bed with every creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Navient concerning account that has been charged off in the amount of {$8600.00} from {$10000.00}. The amount is incorrect on my credit report showing {$4000.00} which is incorrect. Navient also posting monthly that {$50.00} is past due when no arrangements were made on this account. I realize the my son defaulted on the loan however, I was trying to understand why the charge off amount continues to increase every month. I asked for information on how they are posting on credit reports {$50.00} is due and is past due. I was put on hold repeatedly advising that they were checking on this issue but never returned to the phone and left me on hold for 25 minutes.
Product: Credit reporting or other personal consumer reports

I've requested experian to update restore and correct late payments I've had XXXX late payments they removed XXXX late payments but thats all. Points lost were not updated still showing XXXX late payments that is inaccurate I've givin experian copy of my contract payment. My payments are due XXXX I'm not late til XXXX after the XXXX of the months I've submitted bank statements paid my bank XXXX $ per hour to do a search submitted that that made XXXX late fee fall off but thats all came of that. XX/XX/year> payment still shows late when via contract it is not was not updated on late payment XXXX and XXXX XXXX from collections reported me late for XXXX when paid before payment date. That's there conspiracy to continue to add up false late charges. Late fee XXXX payment XXXX showing XXXX late XXXX was updated so how was XXXX late receipt submitter. Please see Violation by XXXX she works in collection dept she XXXX and XXXX refers from collection at XXXX violated my rights they are taking my funds from a XXXX XXXX XXXX XXXX because I bank with a service credit union putting my routing and acct number from my service XXXX XXXX to a XXXX XXXX XXXX XXXX making it untraceable allow them to make withdrawal and pretend payment not received XXXX example of them submitted shows XXXX XXXX XXXX XXXX
Product: Checking or savings account

Ally bank debited my account for {$1100.00} three days after the XXXX payment was canceled. I was sent a confirmation of the canceled XXXX payment and was under the impression my account had plenty of money to cover my {$540.00} car payment, however the automatic car payment failed and was returned after the XX/XX/23 due date. 

Since this has occurred, I have been charged a {$20.00} late fee and will likely see a derogatory remark on my credit report due to Ally Bank 's failure to send funds as directed. 

The {$1100.00} should never have been debited from my account since the XXXX payment was canceled. 

This is the second failure of Ally Bank to transfer funds as I directed within 60 days. The first being a failure to transfer a mortgage payment. As such, I have closed my accounts with Ally Bank and am exploring my options in terms of legal action due to the damages I have incurred.
Product: Vehicle loan or lease

I applied for an automobile loan through XXXX. They went to Ally to get the loan. I was turned down for a loan due to a very low score from one of the agencies, XXXX XXXX.  Their score was 100 points lower then each of the other agencies. Trying to get anything from them requires photos and copied forms of ID. Having never heard of these people prior to this, and them not listed on anything else, I have other loans, all which are paid off except my home loan, I am not about to send them anything until I have no real choice.  They can not provide, will not provide, how they determine this score, or any reasons why the score is low.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information reported on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681c-2, and to request that this information be blocked and removed immediately.

I have attached a copy of my FTC Report ( FTC Report Number : [ XXXX ), along with additional documentation supporting my claim. This report demonstrates that the information in question is the result of fraud and should not appear on my credit report. 
Pursuant to Section 15 U.S.C. 1681c-2, when a consumer submits an identity theft or FTC report , credit reporting agencies are legally obligated to block or remove any information identified as fraudulent within four business days.

The information on my credit report was reported without my explicit consent or written authorization. This constitutes a violation of my rights as a consumer under the FCRA. Therefore, I request that this information be blocked and removed immediately.

I would like to inform you that I have been a victim of fraud, as unauthorized accounts and transactions have been reported in my credit history. I have also filed a complaint with the Federal Trade Commission ( FTC ), and I am including a copy of this report for your reference.

All required documentation to support this claim is included in this package and has been sent to your agency via fax and certified mail. I demand that the following fraudulent accounts be removed from my credit report without delay : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

XXXX XXXX XXXX has filed a lawsuit in Texas stating I owe them and I have never even been contacted by them in any way until I was served with court documents. They have not attempted any collection efforts. I have had the same mailing address for 19 years and a separate physical address for the last 4 years and have 4 phone numbers in my name and have not received one call concerning or identifying this matter.
Product: Debt collection

This company name hunter warfield is trying to collect XXXX stating I owe rent in 2020 when covid shut down the states and jobs. 

I dont owe this company absolutely nothing I asked this company stop harassing me. 

1. I asked do not call me send everything in writing.

2. I request to send me original contract of the creditor with my signature 3. Payment history 4. Proof of debt assignment 5. WHO and when they purchase this debt I believe this company is scamming! I want to know what kind of debt is this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, have filed a dispute with the respective three credit bureaus Experian, XXXX, & XXXX. It has been well over 30 days since I filed an FTC report under # XXXX and sent it to the three credit reporting agencies on the XXXX of XXXX XXXX  in which it is now XXXX XXXX XXXX XXXX days and have not heard anything back! However, not only has these bureaus ignored my request for inaccurate information contained on my credit report they have sent me irrelevant letters stating that these disputes are not from me and that I must send identification for proof of identity in which I have already included in these letters. I am not horsing around with these credit reporting agencies that believe they have the authority to supersede the law in which I am demanding respectfully to be provided proof of these alleged items, specifically the contract, role or other instrument bearing my signature that verifies these alleged accounts or I will be filing a claim in federal court if these are not removed immediately.
Product: Mortgage

I called NewRez on XX/XX/XXXX, XXXX, and XXXX about them automatically taking funds out of my checking account without my consent or authorization. I was able to get these refunded and confirmed on XX/XX/XXXX as they were posted in my checking account. 

I have sent XXXX letters to NewRez requesting information about their account XXXX ( see attachments ). I called XX/XX/XXXX and spoke with " XXXX XXXX XXXX '' emphasizing on a recorded call that I did not have a wet signature signed contract with NewRez as well as when a contract exists only between the original parties, no XXXX party can obtain rights contained within a contract or buy or sell a contract without the express written permission of the original parties. I reiterated, show me a signed wet ink contract between the two original parties. They should be able to provide a ledger showing the XXXX XXXX XXXX Principles for this account. I told " XXXX '' I sent the second letter certified and he said he would follow up on that. As a result of this phone call I started a letter dated XX/XX/XXXX. XXXX days later I received foreclosure letter on XX/XX/XXXX on my front door. ( foreclosure letter was dated the same date as my phone call on the XXXX ). The foreclosure letter states they hold the Promissory Note and the Deed of Trust under Auditors File No XXXX. This is not true as XXXX held these as stated in previous correspondence this loan has been paid off. 
They are perpetuating a scam and hold no good faith as you can see they sent those letters the same day I called and spoke to XXXX. 
These letters I sent NewRez addressed the following : 1. I do not owe this debt. 2. I requested more information about this debt. and 3. The third letter would have addressed them to stop contacting me ( cease and desist ), but because they never addressed my requests and putting a foreclosure notice on my front door I decided to submit a claim through CFPB instead. 
I am also attaching the foreclosure notices I received on XX/XX/2024. 
Please advise next steps or the best way to proceed going forward. 
Regards, XXXX XXXX XXXX ( XXXX )
Product: Checking or savings account

I opened a certificate of deposit with Marcus By Goldman Sachs Bank and it was funded on XX/XX/year>. They stated prior to opening the account that they can and will transfer the monthly posted interest at end of month to one of my external accounts. Shortly after opening the account I made a phone call to initiating the request to have my interest from this certificate of deposit transferred to my XXXX XXXX savings account. Today my money interest posted and the transfer did not initiate so I called the bank on the phone and the representative told me it only takes XXXX days for the request to complete and become effective and I put this request in approximately 30 days ago and the interest transfer was not complete. The phone agent told me she would attempt to escalate this. Attempting to escalate this matter by a phone agent does not give me the confidence that this problem will resolve. XXXX interest payments have not transferred so I believe i need to pursue this complaint. I need the money to pay my bills. Will the Consumer Financial Protection Bureau please help to get my interest payments disbursed to my XXXX XXXX savings account.
Product: Debt collection

Recently I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on XX/XX/XXXX. I received a response stating that the accounts were verified on XX/XX/XXXX I am requesting you provide me all information for investigation, as required by FCRA 611 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per FCRA you are required to provide this information within 15 days or delete the negative items from my credit report. 

I was never updated with no information or documents its been past 15 days
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX  my Equifax credit score went down by XXXX XXXX and no one at Equifax could tell me why. I called several times and spoke to different people and supervisors and they couldnt tell me why.
Product: Bank account or service

THE BANK CHARGED AN ADDITIONAL IMPROPER {$35.00} DOLLARS INSUFFICIENT FUNDS FEE, PLUS A MONTHLY SERVICE CHARGE OF {$10.00} TO TAKE AWAY MY EARNED {$10.00} DOLLARS BONUS FOR USING POPMONEY SERVICES. AS BECAUSE OF THIS BANK ACTION {$48.00} DOLLARS IS MISSING FROM MY BANK CHECKING ACCOUNT. 
THIS BEGAN THURSDAY XXXX XXXX AS A MERCHANT REQUEST FOR PAYMENT CAME IN FOR IN WHICH THE BANK PAID AND CHARGED THE {$35.00} INS.FUNDS FEE THIS MADE MY ACCOUNT BALANCE A NEGATIVE - {$8.00}. EARLY FRIDAY MORNING I MADE A CASH DEPOSIT FOR XXXX DOLLARS THIS BROUGHT MY ACCOUNT IN THE POSITIVE TO {$XXXX, LATER THAT MORNING VIA ONLINE BANKING I CHECKED MY ACCOUNT BALANCE IT WENT FROM XXXX TO. {$160.00} MISSING {$35.00} dollars. ADDITIONALLY THE BANK CHARGED MY ACCOUNT A MONTHLY SERVICE CHARGE FEE OF {$8.00} BUT I HAVE A NO INTEREST EARNINGS CHECKING ACCOUNT WITH NO MONTHLY SERVICE FEE CHARGES. AND CUSTOMER SERVICE REPRESENTATIVE WOULD NOT EMAIL OR US POSTAL MAIL SEND ME A CLAIM FORM FOR THIS ISSUE, THANK YOU.
Product: Debt collection

I first received this letter from I. C. Systems regarding a account with XXXX Cable company. I have never had account with XXXX cable company. I sent a letter of verification of this debt and have yet to hear back from I.C Systems with proof that this is my account. I am requesting assistance in stopping this company from sending me bogus collection letters for a account I have never had with this company XXXX. I have always had XXXX XXXX XXXX cable.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXXXXXX and XXXX ( Original Creditor : XXXX XXXX ) XXXX. 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. 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: Checking or savings account

On XX/XX/year> I contacted my bank current stressing that I would like to close my account due to not being happy with their services. Upon speaking with the representative I requested the closure which was acknowledged and I was then asked how I would like to Receive my remaining funds which was needed to be zeroed out In order to process the closure. I was given XXXX options to do this which I chose option in which they would send my remaining funds to my XXXX address via check. Upon choosing this option I was asked to verify my address So my funds were sent to the right place. After verifying my address I was told that my refund check is being sent to the address and that my account was successfully closed. Furthermore, said that I would be receiving my refund check within XXXX business days. 
On the XXXX day I contacted the bank to request the wheresbouts of my remaining balance and check only to find out that my account was never closed and that my remaining balance of XXXX is now dwindled down to nothing and now my account in the negative. I've called numerous times trying to stress the fact that I have confirmation that my account was closed and should have been receiving my remaining balance when I closed it at that time in the mail via check. If I was not hung up on the representatives XXXX danced around the fact that I have written confirmation from them that they were obligated to follow thru as promised
Product: Bank account or service

On  XXXX / XXXX /  XXXX   I deposited {$400.00} in cash a t Wells Fargo   XXXX   XXXX . On  XXXX  my online statement showed the {$400.00} deposit with a reversal. I made a copy of the statement. The person (  XXXX   XXXX   )  said she sees no deposit, but will research it. Next day on Thursday I see  XXXX  deleted the deposit off my statement. I see the branch  manager and she  says we will research it. Now the bank just says they see no deposit. Well, as I said  XXXX  deleted the deposit off my computer records. The bank refuses to put the money back in my account. I got a police report. The bank does not give receipts unless you ask for  one, but look I have the deposit on my copy of the statement. The bank refuses to tell who took the deposit, who re versed the deposit, who deleted the deposit. If that is not a sign of guilt, what is?
Product: Credit reporting or other personal consumer reports

What happened? 

I am filing this complaint because Nelnet continues to report three student loan accounts on my credit report without my explicit consent. Despite my requests to have this information removed, they have refused to comply. This unauthorized reporting is negatively impacting my credit score and overall credit report.

Relevant USC Codes : 1. 15 U.S. Code 1681b - Permissible purposes of consumer reports - Specifies the circumstances under which a consumer reporting agency may furnish a consumer report, including the requirement that such reports must be furnished for permissible purposes and with the consumer 's explicit consent. 

XXXX. 15 U.S. Code 1681m - Requirements on users of consumer reports- Mandates that users of consumer reports, such as Nelnet, must provide notice to the consumer when an adverse action is taken based on information in the report. This includes providing specific reasons for the denial and the right to obtain a free copy of the report used. 

XXXX. 15 U.S. Code 1611- Civil liability for willful noncompliance - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages sustained by the consumer or statutory damages. 

XXXX. 12 CFR 1002 - Regulation B - Implements the Equal Credit Opportunity Act and requires creditors to provide notice of the adverse action, including the specific reasons for the denial. This ensures transparency and allows the applicant to understand and potentially address the reasons for denial. 

XXXX. 20 U.S. Code 1232g - Family Educational Rights and Privacy Act ( FERPA ) - Protects the privacy of student education records. This law limits the disclosure of such records without the student 's consent. 

XXXX. 15 U.S. Code 1691 - Equal Credit Opportunity Act ( ECOA ) - Prohibits creditors from discriminating against any applicant with respect to any aspect of a credit transaction based on race, color, religion, national origin, sex, marital status, or age. It ensures that all applicants are treated fairly and that decisions are made based on consistent criteria. 

XXXX. 15 U.S. Code 1691a - Definitions and rules of construction - Defines key terms and sets forth rules for interpreting the ECOA, ensuring that the rights and protections afforded to applicants are upheld. 

XXXX. 15 U.S. Code 1602 - Definitions and rules of construction ( Truth in Lending Act - TILA ) - Provides definitions and rules for how the Act should be interpreted, including terms like " creditor '' and " credit sale, '' ensuring that all credit transactions are conducted fairly and transparently.
Product: Credit card or prepaid card

My Capital One credit card ( ending in XXXX ) had a fraud alert on XXXX XXXX XXXX XXXX. I contacted Capital One by phone and verified that I had my card in my hand and the charges were in fact fraud. During the call, I was informed that my credit card was now canceled and I would receive a new card in two ( 2 ) business days, which would be XX/XX/XXXX XXXX   Less than two hours after that phone conversation I received another fraud alert ; this time it was for a card ending XXXX. That number was unfamiliar so I looked at my remaining XXXX credit cards but that number did not match them. I dismissed the alert because I don't have a card with that number. 
I could not stop thinking about that new alert ( XXXX ) so Sunday XXXX, XX/XX/2023 I reached out to Capitol One regarding that alert and told them I do not have a card with that number. The person on the phone said it had been issued YESTERDAY, XXXXXXXX XXXX XXXX I asked them, how is it possible for someone to get this NEW credit card number, less than two ( 2 ) hours after it was issued to me, when it hasn't even been mailed out? They said they didn't know but the new card ending in XXXX has now been canceled and ANOTHER new card would be issued to me. 
I strongly believe there has been a major security breach at Capitol One and it needs to be investigated.
Product: Mortgage

My two home loans were with XXXX. In XX/XX/2019 XXXX notified me that they are bankrupt and transferring my loans to Loan Care. In late XX/XX/2019, Loan Care sent me a loan transfer forms for one of the loans and requested that I pay the first 2 months, since it will take time to transfer automatically. In early XX/XX/2019, I sent them a check for each of the loans. Then I found out Loan Care cashed both checks and also took my money from my account via automatic payment for the month of XX/XX/XXXX. Also XXXX did not transfer my home loan and also took out the automatic payment for XX/XX/XXXX. Thereby I double paid Loan Care in XX/XX/XXXX. I have contacted XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX VA numerous times, sent them copies of both checks and my bank slip. They still have not refunded me my money and always have an excuse. It is in reference to customer ticket XXXX X. 
They never contact me and I am still out of over {$4000.00} USD