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

They are doing multiple ACH withdrawals causing my account to go negative with NSF in one day, 4 times on XX/XX/18 then twice XX/XX/18 instead of doing 1 time multiple times in 1 day.
Product: Credit reporting or other personal consumer reports

Please remove these inquiries. I have no knowledge about this, and the company did it without my permission.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Experian for Failure to Correct Inaccurate Information Pursuant to 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally lodge a complaint against Experian, XXXX  of the major credit reporting agencies, for their continued reporting of inaccurate information on my consumer report, despite my efforts to have this matter corrected through their dispute resolution process. This complaint is in regard to the account with XXXX XXXX XXXX  XXXX, account number XXXX. 

On XXXX, I submitted a dispute to Experian concerning inaccurate information on the aforementioned account. As required by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, Experian was obligated to conduct a reasonable reinvestigation of the items in question to determine their accuracy. 

Despite this requirement, on XXXX, I received a response from Experian indicating that their reinvestigation was complete and that they had verified the information as accurate with XXXX XXXX XXXX  XXXX, choosing to continue reporting the disputed information on my credit file without any modification. 

It is my contention that Experian 's reinvestigation was neither reasonable nor adequate, as the information reported is demonstrably incorrect. 

The continued reporting of this inaccurate information has had a detrimental impact on my credit score, resulting in me not able to apply for credit and suffering from financial distress and XXXX  interest rates. This situation is unacceptable and in violation of the FCRA, which is designed to ensure the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

I respectfully request the CFPB to intervene in this matter to ensure that Experian complies with their legal obligations under the FCRA, specifically : XXXX. To conduct a thorough and reasonable reinvestigation of the disputed information on my consumer report concerning the XXXX XXXX XXXX XXXX account. 
XXXX. To correct or delete any and all inaccurate information found as a result of such reinvestigation.

XXXXXXXX  To provide me with a written summary of their findings and a copy of my updated consumer report post-reinvestigation. 



Thank you for your attention to this urgent matter. I trust that the CFPB will take appropriate action to ensure compliance with the FCRA and to protect consumers from the harmful effects of inaccurately reported credit information. 

Sincerely,
Product: Mortgage

I purchased my home in XX/XX/XXXX. I refinanced my home in XX/XX/XXXX. At that time it was a streamline refinance. I had no closing cost. My home was sold to a lender which was round point mortgage in XX/XX/XXXX. In XX/XX/XXXX I received an escrow letter stating I owed around {$1600.00} in escrow because of my county and city taxes. I understood this because the total taxes were not refinanced into the mortgage because, the taxes were based on an empty lot. I sent a full amount and the mortgage was adjusted to include the amount. Now I receiving an escrow letter stating they want {$1000.00} for cushion in escrow or they will raise my mortgage again to reflect a cushion amount. Everything is being paid. And the escrow account is left to a {$0.00} balance. I feel since everything is paid there is no need for a cushion amount of {$1000.00}. And if they needed a cushion amount this should have been explain on the front end of the refinance or the year the escrow was short for the taxes owed and they adjusted the mortgage. Now I am looking at another {$100.00} in mortgage adjustment I can not afford or a full payment of {$1000.00} of cushion I can not afford. This almost feel like an adjustable mortgage rate. My mortgage is going up {$100.00} every year. I can not afford this. And I should not be forced to do either if everything is being paid. Cushions of escrow along and adjusting monthly payments is not acceptable if there is no shortages at all. Or they can simple ask for the shortage amount to be paid. But how can you ask for a cushion two years later?
Product: Mortgage

My previous mortgage ( XXXX ) was purchased and transferred to another mortgage company, Freedom Mortgage ( FM ), on XX/XX/XXXX. They lost my first-month payment check ( {$1900.00} ) during the business transaction. I kept calling their customer service to search for help on the second month, XX/XX/XXXX. I made a lot of phone calls ( Agents XXXX, XXXX, XXXX, XXXX etc. ) and they had no help. At the third month, my bank told me that check didn't cash out for 3 months and they had stopped payment. At the period of time asking help from Freedom Mortgage, I still keep paying my regular monthly payment ( {$1900.00} ) on time.  My bank ( XXXX ) also issued a letter of Good Faith to FM. However, FM still reported to 3 credit agencies to damage my credit scores and charged a fee ( {$15.00} ), due to the delinquency of my mortgage, which I didn't. On XX/XX/XXXX, Freedom Mortgage sent my so called 'Escorw analysis ' to me and ask me to pay extra Escorw payment ( {$880.00} ) either pay in full or split into monthly payment ( {$1900.00} ). I don't like change my regular payment. So I paid in full of Escrow payment ( {$880.00} ) with regular mortgage payment ( {$1900.00} ) on time in XX/XX/XXXX. Then, they miss calculated my whole account and want me to pay for more than double monthly payment with late fee ( {$4000.00} ) by the end of XXXX. Even though I called the customer service to get the correction, they still want to pay some extra money by the end of this month. Otherwise, the customer service agent warned me that they will report to credit agencies again. Every time they messed up my account, they charged extra fees ( {$15.00} ). I don't want to pay for their mistake, but they tried to use the Escrow payment to cover them now. I think it is the wrong way to use my Escrow account. Now, I see my account is totally messed. It showed that I didn't pay for my Escrow account and my Escrow payment was used to pay for something else, I still am charged for higher monthly payment ( {$1900.00} ) for my next payment and couples of extra fees. I feel I was mistreated by this mortgage company and try to search for help and advises. It is no help to call Freedom Mortgage customer service. I tried to contact 3 credit  agencies to hold or correct my record and no positive responses. I can provide my more details of bank account, regular payment, and their messed mortgage statements as evidence. Thank you for help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I submitted a dispute to Equifax, XXXX, and XXXX regarding inaccurate information on my credit report. The disputed items are as follows : Despite my submission, Equifax, XXXX, and XXXX has not adhered to the requirements of the FCRA in their handling of my dispute. 

I'm reaching out to you today because I'm really upset with Equifax, XXXX, and XXXX - the three main credit reporting agencies. 

The Fair Credit Reporting Act- in a section labeled 1681i ( a ) ( 7 ) - clearly states that when a consumer like me asks about their reinvestigation process, these agencies must explain it within 15 days. But I'm still waiting for an answer from them since I made my request on [ date of request ]. 

There's another issue too. I've found some inaccuracies in my credit report, and I've already informed them about it. Despite this, they haven't removed the incorrect information. This goes against what's outlined in section 1681i ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

Also, they're supposed to ensure that the information they have on me is as accurate as it can be, but these mistakes keep popping up. This isn't right, and it's a violation of another part of the Act - section 1681e ( b ). 

I'm really at my wit 's end here and I'm hoping you can help me resolve this.
Product: Credit card or prepaid card

I recently opened a Santander Ultimate Cash Back [ Credit ] Card because of the multiple promotional benefits advertised, including : no annual fees, 0 % APR for the first 12 months ( including on balance transfers ), and 3 % cash back for the first 12 months. 

Although the Santander website is very clear and forthcoming about the promotional benefits of this particular credit card, the applicable balance transfer fee was not clearly communicated. 

The Balance Transfer fee is the greater of 3 % of the amount transferred or {$10.00}. Studies show that consumers have a misunderstanding of balance transfers / 0 % APR offers. Further, consumers that use balance transfers are generally financially vulnerable - often times with considerable amounts of debt on existing credit cards accruing interest at high rates 20 % +. To bait these consumers with 0 % APR offers, and hide a 3 % balance transfer fee in the fine print, is a clearly unfair and deceptive business practice, targeting the most vulnerable consumers. 

I have attached a credit card statement capturing the balance transfer fee that was charged, along with PDF of Santander 's website, where mention of the balance transfer fee only exists within the " fine print ''. 

Statement of Facts : 1. Credit Card Opened : XX/XX/2022 2. Balance Transfer of {$4600.00} Processed : XX/XX/2022 3. Balance Transfer Fee ( 3 % ) Applied : Total of {$130.00} on XX/XX/2022 4. Call Made to Santander Requesting Fee Waiver : ( Date Unknown ) -- Rejected, Unsuccessful. 

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

Experian reporting an inquiry that does not belong to me I have a fraud alert on my account and was not contacted to confirm any such inquiry nor have i appllied for any new credit. 

XXXX XXXX XX/XX/2019 Also theres 2 addresses that do not belong to me XXXX XXXX XXXX  XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX and name XXXX XXXX
Product: Credit reporting or other personal consumer reports

Questioned the reported items. 

XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX Requested statement & notices from 1637 B proof. Reported payment failure to be delivered 21 days or less before the payment due date. Without this presented documentation the specific conditions of the reported late payment is inaccurate & I demand it be removed. 

Equal credit opportunity act ; 15 U.S.C. 1637 ( B ) 15 U.S. Code 1666b 15 USC 1681n :
Product: Debt collection

My wife made a purchase at Kohls in XXXX. Indiana on XXXX in the amount of {$53.00} using Kohls credit card Received a statement from Kohls in XXXX 2015 with a balance of {$53.00} Paid with a check to Kohls Payment Center on XXXX Check # XXXX from XXXX, XXXX. 

A bank statement fro XXXX XX/XX/XXXX showed ; '' Electronic Check XXXX CAPITAL ONE ARC ( CHECK PYMT ) XXXX '' Since that time we have received threatening phone calls up to three times every day at dinner times and at bed times that we owe Kohls money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX ( XXXX XXXX of XXXX XXXX ) and Dear XXXX XXXX, I XXXX XXXX, Consumer, will file Identity Theft against you via Federal Trade Commission, If, XXXX XXXX and XXXX XXXX ( XXXXXXXX XXXX ) continue to furnish I, XXXX XXXX, nonpublic personal information to nonaffiliated XXXX party ( s ) who I, XXXX XXXX do not give any consent whatsoever to furnish my nonpublic personal information to nor have I gave any nonaffiliated XXXX party my written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) to furnish my nonpublic personal information. 
Pursuant to the Gramm-Leach-Bliley Act, I, XXXX XXXX am very aware that XXXX XXXX, and the Financial Institution XXXX XXXX, are in noncompliance of the Gramm-Leach-Bliley Act which can result in fines of {$100000.00} ( Per Violation ) and 5 years of imprisonment according to The Gramm-Leach-Bliley Act. 

XXXX XXXX, and XXXX XXXX did not comply with simple instructions and rules of the Gramm-Leach-Bliley Act and did not provide appropriate forms to give I, XXXX XXXX the opportunity to Opt-Out of furnishing my nonpublic personal information. 

According to federal law it is not required to furnish any Consumer information 15 U.S. Code 1681s ( C ) and XXXX XXXX and XXXX XXXX did not give I, XXXX XXXX any opportunity to Opt-Out so you will be held accountable for not complying with Federal Law. 

I am very aware that XXXX XXXX and XXXX XXXX are extorting me for nonpayment therefore by extension of credit by extortion means which is causing substantial harm and ruining my reputation and financial reputation furnishing negative information which is not required and youre ruin my financial reputation Pursuant to 18 U.S. Code 894 ( a ) ( 1 ) ( 2 ) XXXX XXXX and XXXX XXXX shall be fined under this title or imprisoned not more than XXXX  years, or both. 
Dated on XX/XX/2022, I, XXXX XXXX, am demanding XXXX XXXX and XXXX XXXX to remove my account and nonpublic personal information from all Consumer Reporting Agencies immediately. 
If XXXX XXXX and XXXX XXXX continue to furnish I, XXXX XXXX nonpublic personal information I will proceed with all actions necessary to the Federal Trade Commission and file Identity Theft against XXXX XXXX and XXXX XXXX and report you both to State Attorney General and you shall be fined under federal law 18 U.S. Code 1028A ( 1 ) ( 2 ) and imprisoned for 5 years. This you your opportunity as I addressed my demands very clear and shall not be construed for any reason by any person. Im aware of the procedures of the Gramm-Leach-Bliley Act and you are not in compliance. Your company policy does NOT supersede over Federal Law. As Federally protected Consumer, my rights to privacy has been violated.
Product: Vehicle loan or lease

I am filing this complaint to report deceptive and unlawful practices by Westlake Financial Services and XXXX XXXX XXXX. In connection with my purchase of a XXXX XXXX XXXX XXXX : XXXX on XXXX XXXX. Their actions have caused significant financial and emotional distress and are in direct violation of consumer protection laws, including the Truth in Lending Act ( TILA ) and other federal and state regulations. 

Deceptive Financing Terms ( XXXX XXXX XXXX ) : I purchased the vehicle on XX/XX/XXXX, under the assumption that financing was fully approved, as I was told and I put my down payment down signed all the paperwork and got the insurance and the keys. 
The dealer ordered the vehicle, and I waited for it to be delivered. XXXX ( from the business office at XXXX XXXX XXXX ) called me over a week later after having the vehicle and asked me to bring the vehicle back and that Westlake has not paid.

This constitutes a deceptive practice and a violation of TILAs requirement for clear and accurate disclosure of financing terms.

I called Westlake Financial, and they dont know what XXXX was talking about. I requested documentation related to the loan and any alleged denial of financing, including whether the loan was securitized. To date, I have not received this information further compounding the issue. 

These actions have caused : Financial harm, including the potential loss of my vehicle. 
Emotional distress and inconvenience caused by misleading communication and threats of repossession. 
Ongoing uncertainty about my rights and obligations under the Retail Installment Sale Contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  has me listed as making several payments over 30 days late.   All of the following months are listed as over 1 month late.    XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I always make my auto loan payment online through  XXXX . I would then be transferred to  XXXX   XXXX  to process my online payment, for a fee. At first my payments would post within a day o r two, bu t then sometimes it was well over a week before my payment would show as processed. I went through a difficult year, and did make a few payments after the due date, but I never allowed those payments to go after the 30 day mark. Somehow,  XXXX   XXXX  held my money and caused it to go over the 30 day mark. I have requested at least 5 times, several in  XXXX  and once in  XXXX  of  XXXX , that  XXXX   XXXX  correct my credit report, but they do not. I no longer have my email proof showing when I made the payments, so I am now suffering horrible damage to my credit report, because of  XXXX   XXXX  and  XXXX   XXXX  's horrible payment processing system. Also, please note that none of my payments ever reflected as late, until  XXXX  of  XXXX , when I came to the end of a loan modification. It was at that time, that I was notified from my credit reporting company, tha t one of my payments had been listed as default of 30 or more days. I find it extrem ely odd that they would wait until a year or more later to change my credit report, if my payments had truly been late. When I made my payment this month, I noted that  XXXX   XXXX  is no longer using  XXXX   XXXX  as their payment processing service. Please help me get this matter resolved, so that my credit report can be properly corrected
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to you in order for you to verify certain confusion and inconsistency of a certain account number on my credit report that violates my rights as a consumer. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. I dispute XXXX XXXX XXXX This account was closed on XX/XX/2020 however it's showing delinquent activity after the closed date. Your procedures have allowed this since XX/XX/2020 and this has been highly damaging to me. I want this account updated. How did it happen that this account only shows late 30 days but no exact dates of delinquency? How did it happen that this account continued to provide delinquent activities after it was closed?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$960.00} XXXX  XXXX {$190.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I'm reporting this incident to the credit bureaus to let them know that I was a victim of identity theft. Unauthorized Inquiries are being reported to my personal file after reading my credit report. XXXX and TransUnion Credit Reporting Agencies continue to publish unverified information without providing the legal documentation that is needed under the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b. The XXXX and TransUnion Bureaus have failed to accurately identify and produce any verifiable proof within the required time frame permitted by law. The following inquiries are false, and I never gave anyone access to share my credit. They have neither removed these inquiries from my credit report or given me a written authorization. Please remove the resulting inquiries as quickly as feasible. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I had received a medical debt from XXXX XXXX, I put in a dispute against them because it was a workmans comp claim, I then was contacted by National Recovery Agency who was also claiming the same debt. I filed disputes with both company 's and XXXX XXXX had it removed, I have made several contacts with NRA and they continue to deny my request they are very rude and disrespectful even after I submitted the paper work to them. I want this debt removed based on that I XXXX her owe this debt or I 'll be filing a law suite !
Product: Debt collection

Jacob 's Law Group in XXXX, MS repeatedly called my work phone every two days even after they were notified of the following : 1. It was a work phone and to please contact me via written communication. 
2. I was not aware of the XXXX XXXX Debt and to please send me a detailed account of what was charge on the card. 
3. The debt is past the statue of limitations for MS . 


I have request in writing all the above statements from the Law Group without an answer and will proceed to court on XX/XX/XXXX.
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 USC 1681. 

US DEPT ED : XXXX, USDOEXXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

ZIP Co continues to deny me access to my spending power by claiming that my consumer report is frozen. I have disputed several times over the past month through their representatives and informed them there is a problem on their end because my consumer reports ARE NOT AND HAS NOT been frozen. I will also be filing complaint with Secretary of State on their business practices. This is my 2nd CFPB complaint on this issue. Attached you will find previous complaints with CFPB and XXXX as well as evidence of my attempt to resolve this issue with Zip through written communications and how they're going to escalate the issue and have a ZIP escalation team reach out to me. I did this process 4 times and was told the same thing each time that someone will call me. I have never received call from them. Please review attachments. I feel like I'm being discriminated against. This has become an issue of false and misleading business practices, false advertisement, and breach of contract. I have provided all my personal information to contract with ZIP Co and they are failing to provide consideration on their end. I have been using ZIP buy now pay later through installments for about 6 months and built up a good payment history and spending power. Now Zip Co refuse me of my spending power with false claims of my credit reports being frozen which is a lie because I have confirmed with the credit reporting agencies ( XXXX, XXXX, XXXX ) that my profile/report is UNFROZEN.