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

I am writing to you again regarding a persistent error on my credit report, in which late payments are inaccurately listed. I have previously filed a dispute concerning this matter, but the response I received was neither satisfactory nor conclusive. Furthermore, I have not been provided with any evidence that these late payments actually belong to me. 
The item in question is a late payment reported by XXXX XXXX XXXXXXXX for the account number 120001**********The late payments are reported as being dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I would like to remind you that under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), Experian are required to thoroughly investigate disputes and correct any inaccurate information. Additionally, under the Truth in Lending Act ( TILA, 15 U.S. Code 1637 ( b ) ), creditors must ensure that information about the terms of credit, including payments, is accurate and correctly reflected.

Moreover, under 15 U.S. Code 1681s-2, furnishers of information are obligated to ensure that the data they report to credit agencies is accurate. The incorrect late payments should be removed from my credit report, as I have no evidence indicating that these payments actually correspond to my account. 
Therefore, in accordance with the laws mentioned, I demand the following : A new and thorough investigation of the late payments on my credit report, followed by correction of any inaccuracies. 
The immediate removal of any late payment entries that are incorrect or unjustified. 
The provision of verifiable evidence proving that these late payments belong to me, should they not be removed from my report.
Product: Debt collection

I have received calls from " The Huntington Group '' - telephone number XXXX, XXXX, XXXX ( and more ) representing themselves as a number of varying folks from process servers to attorneys, up to Managing Partner, XXXX XXXX. They have now called my cell phone, my home phone, my work phone, and my work corporate office threatening a Summons to Appear, advising that they have been unable to reach me at my home, which is the same address that I have had for XXXX years. 

I have called these folks back, and they continually ask me to pay anywhere between {$500.00} - {$2000.00}, gradually decreasing each time I refuse, however, will not tell me what the debt is for, will not provide me proof or validation of the debt, and will not provide me with a mailing address to mail them these requests or a formal request to stop calling me until the debt can be validated. 

I have asked these people to cease calling me at any numbers until they can provide proof of the debt, at which point I am told that they do n't have to provide that since they are a " Legal Group '' vs. a debt collector, yet no record of the company exists. 

They refuse to end calling - most specifically my place of business, until I make a payment toward this unknown debt. They have threatened to come to my place of business and have the HR Director or my Managing Director call me into a meeting to serve me with the necessary files if I do not pay them directly, over the phone, without validation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  {$730.00} Date Opened XX/XX/XXXX I did not give this company authorization to report this collection to my credit report this violates my privacy under the Privacy Act of 1974 I took action by asking the company to send me more information on this collection debt in a form of a letter still no response or action was taken on behalf of XXXX XXXX
Product: Credit card

XXXX imposed a 3 % fee for a money transfer. Unbeknownst to me, Chase treated this as a cash advance, adding a 5 % fee and 30 % APR. The 5 % fee also applied to XXXX 's 3 % fee, resulting in an 8.8 % total charge above the transferred amount. Neither XXXX nor Chase provided clear information about these charges. I argue this is deceptive for the following reasons : XXXX. Non-Disclosure by XXXX : XXXX markets its service as free but charges a 3 % fee for credit card transactions. A reasonable consumer would infer that this fee is to cover the credit card processing costs that XXXX incurs. However, this is not explicitly stated, leaving room for the fee to be used for other purposes. This lack of transparency can mislead consumers about the true nature of the fee, especially when the service is advertised as free. XXXX. Misclassification by Chase : When a user employs a credit card on the XXXX platform, XXXX essentially acts as a credit card processor, facilitating the transfer between individual users. In this role, it is not providing a cash equivalent but rather a service similar to a credit card terminal at a retail store. Therefore, Chase 's decision to treat these transactions as cash advances, subject to additional fees and higher interest rates, is not aligned with the actual nature of the transaction. This misclassification can result in unjust additional costs to the consumer. XXXX. Junk Fees and Double Charging : If the 3 % fee charged by XXXX is not used to cover credit card processing costs, it becomes a superfluous charge, or a " junk fee. '' Similarly, if Chase applies a cash advance fee and then also charges XXXX for transferring the funds, it amounts to double-charging the consumer. Both scenarios can be considered deceptive practices and forms of unjust enrichment at the expense of the consumer. In summary, the practices of either or both companies may be deceptive and could potentially violate consumer protection laws due to lack of clear disclosure, misclassification of the transaction type, and the imposition of unjust fees
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT On XX/XX/XXXX,  Equifax reported to Consumer Financial Protection Bureau that they deleted addresses listed in the original complaint submitted. They did not Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX As of today, those fraudulent addresses, which were included in Identity theft Affidavits and a police report, are still reporting to my credit report. I contacted Equifax again today and was told they would file a dispute and it would take another 30 days to remove the addresses and the collection. But they reported to the CFPB that they were already removed on XX/XX/XXXX. 

Equifax has not followed the laws and have also performed a dishonest act by providing the CFPB with false information. 

They are also reporting XXXX XXXX XXXX XXXX XXXX   that was removed because the entire debt was paid. This is inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked for removal of unauthorized Hard Inquiries on my XXXX file from : Americredit Financial Services, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX CXXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, LA XXXX I did not apply for credit with this automotive dealers for car credit and ask that they furnish written documentation of application for credit approval. I never visited these dealers. I am presently in Chapter XXXX and not allowed to apply for credit without consent of the courts.
Product: Debt collection

Please help me. I do n't know where else to turn. I received some type of correspondence from a collection company for some type of medical bill they say I owe. I had n't had any medical stuff done in XX/XX/XXXX of this year. This should be on my credit. I asked them to look into it because it was wrong then I noticed on my monitoring site they put it on there again and hit my points they just keep reporting this stuff like it 's new and I was never seen at the doctors last month
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continues to report the account XXXX Account # XXXX incorrectly which causing me significant harm. They keep claiming to verify the account as accurate but they have provided no evidence that they even completed a reasonable investigation into my claims. The account can not be reporting as charge off because banks and financial institutions are insured under FDIC and does not incur any losses. The consumer agencies are not following federal law and their internal policies does not override law. This is my final attempt to get them to remove this account or take this as legal notice that I sue each consumer agency independently for various violations of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a notification from Experian I has a new inquire for a personal consumer loan request on my credit report. I do not bank with XXXX nor do I have a business relationship with XXXX. I also, did not authorize a personal loan with XXXX. 
I called and requested an investigation. They opened a ticket and had me over the phone, fill out some basic information and gave me a ticket number. I did not hear back for 2-3 weeks until I followed up. I then received a contact person who was willing to work with me on the investigation and advised me to send in a certified mailer letter requesting a investigation and stating that I did not authorize the personal loan. I completed this step and on XX/XX/2023 XXXX sent me a letter back stating the investigation was completed and that the information provided was accurate and they reported the credit agencies even though my letter I sent to them certified clearly describes the inquire as fraud and was performed without my consent. My request to perform a removal of the fraudulent application/load was ignored. This same inquire appeared relatively in the same time period with XXXX and XXXX XXXX as well, also ignored. We are working to get those removed, too. they're also fraud and were performed without my consent.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding sales handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform, despite using Zelle numerous times and reporting discrepancies my financial intuition and Zelle failed to investigate. My claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible the CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving others vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concern concerns about consumer safety
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. 
XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number 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 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. and lastly 15 U.S.C 6802 ( b ) Opt-Out I was never given the option to opt out and not report to my credit with out pressure
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquiries being furnished on my consumer report. 

XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX ) Experian Buisness Card XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX
Product: Student loan

Navient is the servicing provider for my loan charged me for a loan that was paid off for over a year. When I submitted a payment in XXXX 2016 to clear XXXX sub-loans, Navient charge me over {$200.00} dollars on a loan that was already paid off, and tacked on late fees to my payment. I have been paying them off religiously trying to get them out of my life, but they have pulled this stunt an although they say that they have rectified it I do not trust that my account is in order. They have done this before with my account I was of the ones who received a settlement from the last mass lawsuit concerning XXXX XXXX/Navient, and would not be surprised if they have scammed me out of more money again. I have their statements that was sent to me proving that my loan was paid in full, and the statement far after the full payment status where they tried to recharge me on that loan. Every payment, every statement I have. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX # XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I had to resubmit my mortgage loan modification paperwork. 
I was approved for the modification and received the trialagreement on XXXX/XXXX/2015 and was notified my XXXX paymentwas due on XXXX/XXXX/2015. I called and asked why the shortnotice and was told if I ca n't make the payment by theXXXX then they will note I will not move forward with theplan. The agent 's supervisor then proceeded to tell me when the last timeI made a payment and that I need to make the payment onthe XXXX. I had to escalate the matter for someone to requesta later start date. Although, it may not be approved, it waswithin my rights to request XXXX since it was less than30 days notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit inquires on my credit report that were not requested by myself and were given without my authorization  1.  XXXX   XXXX   XXXX   Date Filed   XXXX  2017   Type Credit Unions 2.   XXXX   Date Filed   XXXX /2017  Type Mortgage Reporters 3.   XXXX   XXXX   XXXX   Date Filed   XXXX /2017  Type Mortgage Reporters
Product: Money transfer, virtual currency, or money service

My XXXX account can not be linked with the bank and withdraw cash. I have contacted the customer service representative many times and the problem has not been resolved. please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several complaints about late payments reporting inaccurately, to EQUIFAX, XXXX, AND XXXX  I was never late. 
1.ALLEY XXXX  , ACCOUNT # XXXX is reporting a 30 day late payment for the month of XXXX After obtaining my payment record from my online account, it clearly shows no late payments. XXXX please see exhibit XXXX ) XXXX XXXX ACCOUNT # XXXX I have contacted XXXX XXXX XXXX by phone and via mail, stating I was never late as reported on XX/XX/XXXX and XX/XX/XXXX I requested a record of payment from the first reported late payment, I was told they don't go back that far, so how can the account be verified? this doesn't seem right
Product: Checking or savings account

I called to dispute a charge on my account and the people i talked to said they could not dispute my charge unless i gave them my name. That normally would not be a problem but i gave them my name like 5 time already on the same call. I dont have time to give my information to the customer service people 10 times
Product: Money transfer, virtual currency, or money service

Back in XXXX  my ex fianc made a fraudulant cash app account under my name without my knowledge. Then proceeded to hack into a Chime bank account I used to have and transferred {$1600.00} into that fraudulent cash app account he made in my name from my Chime checking account. 
I tried disputing it, but Chime denied it because from what they can tell it went to that cash app account that was in my name. I tried explaining this to Chime, but the representatives they have don't speak XXXX very well so didn't understand my complaint or they wouldn't ever fully read my complaint therefore I never received the help needed to resolve my issue correctly.
Product: Credit card or prepaid card

On XX/XX/2018, I was at XXXX Bank and one of the employees advised me to apply for a XXXX XXXX XXXX  credit card and had told me I'd be approved. So I listened to the bankers false claim, but to my surprise, I was declined. I am not happy with the fact that due to the banker giving me false hopes with a credit card. Furthermore, now that his false claims are affecting my Equifax Credit Report!
Product: Checking or savings account

I am writing to express my frustration with Navy Federal Credit Union regarding repeated overdraft fees on my account, which I believe were unwarranted. Despite maintaining sufficient funds, I have been charged fees due to your system not settling previous transactions in a timely manner. This ongoing issue has caused unnecessary financial strain and eroded my trust in the reliability of your services. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. 

As a valued customer, I believe these practices are unfair, and I respectfully request a thorough review of my account and the reversal of any fees incurred under these circumstances. I also urge you to consider measures to address this systemic issue, as it unfairly penalizes customers like me. 

I hope to see this matter resolved promptly and look forward to your assistance in restoring my confidence in your institution. 

Thank you for your time and attention.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX XXXX bal. {$9800.00}, XXXX bal. {$10000.00}, XXXX bal. {$17000.00}, XXXX bal. {$8200.00}, XXXX bal. {$4000.00}, XXXX bal. {$0.00}, XXXX bal. {$3400.00}, XXXX bal. {$7700.00}, XXXX XXXX XXXX bal. {$10000.00}, XXXX bal. {$4300.00}, XXXX bal. {$3600.00}.
Product: Credit card or prepaid card

I am a Military service member stationed in Louisiana since XX/XX/XXXX. According to Louisiana state law all creditors can only charge me a max interest of 6 %. I have a Military Star Card and my interest rate is 11.99 %. I notified the exchange credit program and sent them a copy of my orders and the state law and they thought I was a XXXX and refunded me {$200.00} in interest for the months of XXXX, XXXX through XXXX, XXXX. They then put my interest back to 11.99 % and told me to let them know the next time I am on orders. I explained to them that I am XXXX XXXX and they owe me much more of an interest return and they have to reduce my interest to 6 % and leave it there until one year after I XXXX  in accordance with Louisiana state law. They realized the mistake and returned an email to me saying that they would comply with the adjustment and refund. I have copies of all the emails. After getting the runaround for two more months they then emailed me and stated that they do not have to comply with the state law since they fall under the federal government. They are a credit card that charges interest and reports to credit agencies. Is it true that they do not have to comply or are they just making an excuse to maintain profits?