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

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved.i request immediate investigation and removal of these e items, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting or other personal consumer reports

Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX  Dear CFPB, I am writing to formally file a complaint against XXXX XXXX for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I was approved for a financial relief program offered by XXXX XXXX. Under the CARES Act, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law.

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXX XXXX about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

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

This is a XXXX XXXX XXXX ( XXXX ) administered by the US Dept of Education. The loan defaulted in XXXX, as a result of hardship caused by job loss during the COVID pandemic. I don't know why it took XXXX XXXXXXXX XXXX until XXXX to default this loan, since ( according to my credit report ) my last payment on these loans was XX/XX/XXXX, but nonetheless the loans were " Defaulted '', and Defaulted XXXX loans were supposed to have BOTH a COVID administrative forbearance until XX/XX/XXXX, AND a moratorium on negative credit reporting until XX/XX/XXXX, as per US Dept of Ed COVID orders .... XXXX began reporting my defaulted XXXX loan to the credit bureaus in XX/XX/XXXX. There was also a US Dept of Education moratorium on negative credit reporting on Defaulted XXXX loans, until XX/XX/XXXX. However, XXXX and its collection agency XXXX XXXX XXXX continue to destroy my credit, and violate the Federal ban on credit reporting of " Defaulted XXXX loans '' until XX/XX/XXXX. They began reporting the Defaulted XXXX loan nearly 2 years before the credit reporting moratorium end date, causing housing issues and farther hardship.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple XXXX Reports regarding the account that do not belong to me.
Product: Debt collection

We bought a Timeshare at the XXXX XXXX XXXX, XXXX XXXX XXXX, thru a Timeshare Resale company. The property was paid in full. Used it once, not what we thought it would be. We offered the company to take back the property totally free, we just could not keep paying the Maintenance & Taxes. They refused. 
We stopped paying the M & T and eventually they sent it to Pinnacle Recovery , Inc for collection. This happened so long ago that I do not have exact dates. However this debt is way past the Statute of Limitations and should not be pursued anymore, much less putting it in our credit report. This could not be happening at a worst time since we were just approved for a mortgage and there should not be any significant changes in our credit scores.The daily calls and frequent letters also became very annoying. 
Please help us resolve this as quickly as possible for we do n't want this to interfere in our new home purchase. 
Thanks.
Product: Checking or savings account

I have filed a dispute with my bank Wells Fargo. Claim number XXXX. This was from XXXX who was supposed to charge me {$49.00} for services of cutting the grass rather they had charged {$170.00}. After filing a dispute the bank asked me for documentation, I screen-captured the billing amount and what they charged me for, they supplied me the date XX/XX/XXXX amount and Doc Type : Authoriztion, nothing more. The other letter in the documentation was regarding another transaction which was XXXX  XXXX and I never did a dispute on XXXX, they first gave me a provisional credit to my account then revoked it, stating they don't have enough documentation to honor the claim, yet I sent them that this company was only to be bill {$49.00} This type of banking allows all merchants just to run the card for whatever amount they want and get away with it. I spoke with multiple people, allowed my account to be closed to hopefully get help through XXXX  directly however I was informed that XXXX  does not work with transaction disputes they have to be determined by the issuing bank so I called back to the bank on XX/XX/XXXX with reference number XXXX and spoke with XXXX, and she assured me the conversation was recorded. They still are saying they do no have enough information, so I ask how can companies just bill you what they want, and have no protection of the funds of your account.
Product: Credit card or prepaid card

I opened a JCPenny charge account, then was notified that Synchrony Bank ( SB ) was the holder of my credit card debit. The first payment was paid by check through a hard copy billing statement. Today, XXXX I receive an email from SB saying Opps you did you forget ... this totally blind sided me since I did not receive a hard copy statement nor an email statement, e.g., Your JCPenny payment is due ... So I called them and requested they send my a hard copy statement. The representative said Synchrony does not have to to do that. Well, I lost it saying there was no billing statement notification either by hard copy or electronic notification just a notification that I missed a payment. Synchrony is a scammer bank. Yall lead people down a path of charging late fees when there is no notification of a bill due. The representative reply was Your payment is due the XXXX of every month. Me : How would I know that when there is no notification. No only are you charging me interest on the outstanding balance you charge me a late fee. You are taking advantage of your customers and reporting them to credit Bureaus ruining their credit! This is the second time I have had to deal with scamming bank. They are taking advantage of consumers. I do not have a bank account with them, I have a JCPenny card ; and they bought the debit. Finally I threw at them that they are providing a consumer service. They do not have the right to change a credit card debit to a banking debit w/o my written agreement. Some thing has to be done with this money hungry Bank! Understand they are connected to GE Capital I would like to know what state banking laws they are required to follow. Thank you. XXXX
Product: Vehicle loan or lease

XXXX XXXXXXXX Payments:XXXX XXXX/XXXX/2014 THIS  CAR LOAN WAS AN REPO. CAR WAS SENT BACK IN GOOD STANDING BUT IT STILL REMAIN ON MY CREDIT AS CHARGE OFF AFFECTING MY SCORE & FUTURE PURCHASE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporter act XX/XX/XXXX account number XXXX has violated my rights. 

1 ) 15 usc 1681 section 602 8 states i have the privacy 2 ) 15 usc 1681 section 604 2 I also state a consumer reporting agency can not furnish your account without my written instructions. 

XXXX Acct # XXXX Bank XXXX XXXX Acct # XXXX Bank XXXX XXXX XXXX # xxxxx XX/XX/XXXX Acct # XXXX XXXX Bank Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inquires
Product: Credit reporting or other personal consumer reports

XX/XX/ I filed a complaint with the Cfpb on the company XXXX XXXX XXXX reporting inaccurately and not giving me proper due process on my credit reporting rights.The company responded on XX/XX/2023 saying that they did a proper investigation report but to fix the problem and resolve the issue, they would delete the tradeline from the credit bureaus as a result! Nothing has changed on my reports and I still have inactivation being reported on my credit report.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recen CFPB findings against navy federal for similar practices where transactions settles with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that although I have written several letters asking for validation of debt, permissible purpose letter, audit trails for validation of debt and inquiries I have not received any response because of the automated system you have in place which is in fact a violation as well. 

I am afraid these 3 credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality and a respect for the consumers privacy, I did not give consent to these accounts. 

I have remained humbled despite the stress, abuses, nd harm these 3 credit reporting agencies have done to me.
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX and US Department of Education, yet they are not removing this fraudulent accounts. XXXX XXXX and US Department of Education have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The following is the fraudulent account : XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a loan modification with Bank of America in XXXX XXXX. My modification was approved by Bank of America XXXX XXXX, XXXX. The modification required that I make 3 payments at a different amounts from the payment amount prior to the modification. The payments were to be at the modification amount XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I made the first loan modification payment on XXXX XXXX, XXXX with the memo saying XXXX modification XXXX. I received a call today XXXX/XXXX/XXXX from XXXX XXXX from Bank of America asking me if I made the payment and I told her yes. I made the payment on XXXX XXXX. XXXX XXXX told me that because I made the payment early it may not count toward my modification. XXXX XXXX my loan manager asked me in XXXX if I wanted to pay my first pay early to get started.
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX of my credit reports are reporting the same account containing a lot of inaccuracies. The account I am referring to is XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Account XXXX This account is reporting inaccurate late payments and I have been going back and forth trying to correct the information. If the information can not be corrected, the account has to be removed off of all XXXX of my credit reports because it is reporting inaccurate information and violating the FCRA. 
All XXXX Credit Bureaus are reporting that I was 30 days late in XX/XX/XXXX, then you reported again that I was 30 days late in XX/XX/XXXX. They then reported that I was 60 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. How is this so? I can not be 30 days late for two consecutive months back-to-back, then 60 days late the month right after the previous two months, and then 60 days late again the following month. It is impossible. This is a serious error in your reporting. 
I have written multiply letters dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so forth.
Product: Credit reporting or other personal consumer reports

I'm writing to report several unauthorized credit inquiries listed on my TransUnion credit report, which violates the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b, regarding permissible purposes for obtaining consumer reports.

Here are the unauthorized inquiries : 1. XXXX XXXX XXXX XXXX - XX/XX/year> 2. XXXX - XX/XX/year> 3. XXXX XXXX XXXX XX/XX/year> 4. XXXX XXXX XXXX - XX/XX/year> 5. XXXX - XX/XX/year> 6. XXXX - XX/XX/year> 7. XXXX XXXX XXXX - XXXX XXXX, XXXX  8. XXXX ( second instance ) - XX/XX/year> None of these inquiries were approved by me, nor did I initiate any actions that would legally justify accessing my credit report per the FCRAs stipulations on permissible purposes.
Product: Credit reporting or other personal consumer reports

I have attempted to resolve this matter directly with XXXXXXXX XXXX XXXX XXXXXXXX [ ], I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection company reporting a collection account that was paid. I paid the original debtor.
Product: Vehicle loan or lease

My car was repossessed on XX/XX/2023. Reached out to the finance company Hondafinance, to make payment and put my account up to date. I had to wait for about 5 business days, for them to review my case. Once I manage to talk to my case worker, about making payments. I had to wait for an additional 4 days, for them to approve my case and tell me how much I have to pay. To get my vehicle back. Once I finally got an answer on the XXXX of XXXX, on how to go about making a payment. And told I have until XX/XX/XXXX, which is the official sale date. I immediately made payment on the XXXX of XXXX. Called with my payment confirmation, was given the info on where to pickup the vehicle. Once I called to setup an appointment to pickup the vehicle, I was told that it was already picked up and sent to auction. Keep in mind that the legal sale date was not until the XXXX. 

To keep long story short. My payments are now up to date, and I still don't have the vehicle. I call every single day and no one can give me a definite update. On top of that I'm being charged storage fee per day, and to transport the vehicle from auction site back to my hands. 

I believe this is an abuse. Today is the XXXX the XXXX. Still no answer, no one can get the vehicle to me. I'm spending {$150.00} daily for transportation for my family and to get to and from work. They are not helping are covering any damages. Please help, the car should be back in my possession.
Product: Debt collection

Mary Jane M. Elliott, PC collected a debt via garnishment from my bank account on XX/XX/20 in the amount of {$1300.00}. This debt was originally for a XXXX XXXX debt, and the garnishment from my bank account satisfied this debt. 

However, the collection agency run by Ms. XXXX also had a garnishment placed against my state tax return, which they failed to release after the debt had been satisfied on XX/XX/20. 

As of the writing of this today on XX/XX/20, the state tax return garnishment has still not been released, therefore {$900.00} owed to me by the state has been held up wrongly because of the inaction of this collector to release the garnishment. 

I have contacted the office on several occasions, most recently on XX/XX/20 at which time it was verified that the debt was indeed satisfied but that they " somehow failed to '' release the tax garnishment. However, I contacted the state of Michigan treasury today, and they still have not received the garnishment release. 

I would like action taken against Mary Jane M Elliott, PC for causing harm to myself and my family by failing to release this garnishment and thus preventing my state tax return from being rightfully sent to me. This has caused my family finacial harm during this very difficult season. We need this money and it should have come 6 months ago. Mary Jane M Elliott should be held to account for this egregious error.
Product: Checking or savings account

On XXXX, Chase Bank froze my checking and savings account, due to a false fraud allegation on a wire transfer of {$140000.00}. The money was transferred from my joint XXXX account with my mother and sister. My mother wanted me to transfer the funds due to an elder abuse investigation opened against my sister. My mother didnt trust my sister anymore. Chase closed my account on XXXX. I called about the return of my funds, and were told multiple answers as to return of my funds, such as : all the money was withdrawn, a check was cut, the check was destroyed, all the money had been withdrawn again, and then to go into the bank and speak with an employee for assistance. I went into the bank in XXXX Michigan. They told me a check was cut on the XXXX of XXXX, and to come back in if I didnt receive it by XXXX. I didnt receive it. Chase called the main bank, and now I was told the check was mailed on XXXX and to come back in, if I didnt receive it by XXXX. Today is XXXX and I still havent received my funds from my savings and checking totaling a little over {$170000.00}. Please help have my money returned to me. It feels like Chase doesnt want to return my money to me.
Product: Mortgage

At the time I entered a loan agreement with Huntington bank, they detailed all the fees involved with the note, as they should. Now at the time of paying them off, they have decided to tack on additional fees to further increase their profit. These added fees were never disclosed or agreed to. I contacted Huntington Bank to see where in the agreement they indicated these would be additional fees associated with the loan and they agreed it was not in the agreement. In dispute are a fee to fax payoff of {$15.00} and a recording fee of {$30.00}. They did agree to drop the fax fee of {$15.00}. 

If a bank is required to disclose all fees, that means all fees. A bank should not be allowed to just arbitrarily add cost and fees on the back end. They do detail many different fees in the note. It has to be assumed this is a complete list of fees, otherwise, why publish anything if they have the right to just make up fees at the end.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXXXXXX XXXX  Account XXXXXXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX
Product: Vehicle loan or lease

I have an account with Hyundai Motor finance account # XXXX this account was set up on Automatic payments. For some reason the payment for XX/XX/2020 was not processed. 
Since I had moved previously the mail never got to me to inform me of the issue. I was ill with Covid-19 in XX/XX/2020 and since I was under the impression that this was on auto-pay I was not even looking out to see if any issues occurred.
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. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Product: Credit reporting or other personal consumer reports

This is a violation of 15 U.S. code 1681i ( 5 ) removal of inaccurate/ invalidated credit information. Please remove immediately. XXXX, XXXX and Experian all have different statements
Product: Credit reporting or other personal consumer reports

Experian has closed XXXX complaints today without resolving or addressing the issue with my account they give explanations that make absolutely no since and directly show the retaliation Experian is taking for me making these complaints, XXXX  months of on time never late payments to XXXX and refuse to give them back
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 we submitted a form to surrender our XXXX XXXX.

On XX/XX/2018 the vehicle was picked up.

On XX/XX/2018 the vehicle was sold for {$19000.00} leaving a balance of {$8000.00}.

On XX/XX/2018 we paid a payment of {$250.00} We cancelled gap and some other extras which brought the balance down further.

We made {$400.00} in payments XXXX & XXXX. we are currently set for 3 more months of {$200.00} payments. Towards the balance.

Today XXXX marked on our credit that this account is in charge-off and that weve failed to pay. Which from the above information WE HAVE NOT.

On XX/XX/XXXX the balance will be {$6800.00} as another payment is scheduled to draft from our account.
Product: Debt collection

On XX/XX/year> reported on my credit report that it is a collection/ charge off account! {$8500.00} limit which is wrong as well!