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

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of XXXXXXXX XXXXall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

based on information and belief this is not my debt. I never received any notice of this debt.
Product: Credit card or prepaid card

My complaint is about a credit card I had with Chase Bank. 

I have had a credit card with then for a few years now, keeping it up to date and using it frequently. I was recently approved for 2 new chase credit cards, ( one was a Marriot Hotel card ), in addition to those two cards, Chase decided to give me a credit line increase on my current account. However, the day I activated my two new cards, I was immediately notified that ALL my accounts had been closed, including my old one. 

When I called the Chase representative, they were very cold and rude, treating me very unprofessionally, and just read off some list of reasons why my accounts were closed. They explained that the main reason for the closure appears to be because some of my store credit cards had been " closed by the issuer '', those accounts were closed because there had been no activity, so it appears on my credit report as such. I had no control over that situation. I did not use the cards, plain and simple. 

To make my credit situation worse, due to the fact that Chase approved me for 2 new cards and increased my current credit line, my credit score increased, however now that they have closed all the accounts my credit status will deteriorate. Which will cause other creditors to either lower my credit lines or close my accounts, because this will appear as a 'closed by issuer ''. 


I would like someone at a higher level to review my account and situation and reevaluate the closure.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The following inquiries were not authorized and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

Hello, Im holding an account with PNC and Im very disappointed at the service through phone and at the bank in person. I needed to speak to someone about a fee charge and it took forever to get through the million questions a computerize person ask on the phone, it is really annoying and on the phone they could not resolve my issue cause the manager was not there, I did not know the PNC only have one manager for the amount of account holders they have, it is embarrassing and unethical. second I went to the bank at XXXX, New Jersey where the tellers were not help and the manger of the place saw me struggling to get someone on the phone and never took the time to actually talk to me and help me out. What are they there for then? then i walked to her to see if she could unlocked my online account and help me with the fee she had someone coming to her computer and do some work, I got extremely annoyed and left. I do not see the interest or effort from them to help anyone, or maybe a customer they do n't know or like. Im extremely disappointed at PNC and their service, I look forward to cancel all my accounts with them and let everyone know how they really are. not a good bank at all, they are slacking big time!! Now I 'm still here trying to unlock my account and resolve the fee issue. SMH!!!
Product: Mortgage

We fell behind on our mortgage due to medical issues and lost wages, and covid issues in XXXX of XXXX. I called in and explained and was told by Shellpoint that they would work with me and start accepting payments. We have been making payments that were directly taken from our account all the way up until XX/XX/XXXX. All of a sudden in XXXX, I was told Shellpoint cant take my payments anymore and was told they should have never been taking them in the first place. I was told they were going to send me a check back for what was removed from our account. Basically were were told because of the foreclosure status they should have not accepted our payments. It made no sense!!! Basically Shellpoint is dual tracking. So I applied for a loan modification and were advised the file was under review nothing was needed. The most recent time was XX/XX/XXXX. Fast forward to XX/XX/XXXX ; we receive a decline letter dated XX/XX/XXXX. It states that I am not eligible for assistance but It did not state why. On XX/XX/XXXX, I called Shellpoint to ask what the reason I was denied for and they said they didnt know. I asked if anything was documented on the account they said no reason was documented, it just said file denied. I asked if we have an appeal period as a was advised by a family attorney that I should have one. They said no. The letter didnt state why my file was denied. I asked for a supervisor and immediately were told there had no supervisors available. The issue that I have is not getting a clear answer why I dont qualify for assistance. Shellpoint had no problem taking my payments then all of a sudden had to stop and now they are selling my home. The letter was completely vague and was not clear whatsoever, which is why we called. Supposedly I have a single point of contact XXXX, but she can never come to the line/ never answers the call. Instead I get a different person each and every time I call in. The fact that I cant even get a supervisor to look into the matter, is very upsetting. My English is not the best but I believe that Shellpoint is discriminating against me based on my age, race, ethnicity, and language. I am demanding a fair review for my file. I am 9 months behind. I was making the payments after I fell behind. I do not understand what is going on. Why I cant get answer to why you stopped taking my payments in XXXX Why you cant tell me why my file is denied. 
This oversight of them taking my payments when they " shouldn't have '' and now this neglect of my file is fraudulent.
Product: Checking or savings account

Im 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 lack postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transaction settled with is sufficient balances, despite initially available funds, I believe these practices are unfair and request an investigation into my account transactions
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Futhermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E .These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 SECTION 602a. : STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604A. : 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 CONCUMER REPORT CONTAINING ANY OF THE FOLLWOING 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, or personal loan

Applied for the loan because of a family emergency. Been out of the country for awhile. Lost my job then Covid-19 started before I can find another job. Now working and with only paycheck to paycheck, I can not afford to pay the loan back.
Product: Vehicle loan or lease

XXXX XXXX with Mountain America Credit Union in XXXX, Idaho led me to believe I was going from 14 % interest to 12 % interest with the refinance of my car. Ive recently discovered after my first payment that I was originally at 4 % which he did not disclose at the time. He turned his computer towards me with every document I had to sign and said this is all this is saying, go ahead and sign the computer pad. When I found out the bank said too much time has passed and I did sign the documents, so theres nothing they can do!
Product: Debt collection

I spoke with a representative from XXXX XXXX, XXXX and requested them not to contact me by phone. That was XX/XX/XXXX. The very next day, I received two separate calls within five minutes from XXXX XXXX, XXXX. I did not answer. On XX/XX/XXXX, I received a call from XXXX XXXX, XXXX. I again informed the rep that they are not to contact me by phone. I have already fought this company on their bogus claims in court and won based on their inability to prove that they own debt in my name. Also, it is past the statute of limitation. The rep I spoke with on XX/XX/XXXX mentioned various times that due to the age of the debt, they would not pursue the issue in court. They have also re-aged the debt with at least one credit bureau and indicate I have a " Major Delinquency First Reported '' amount dated XX/XX/XXXX. I have never conducted business with XXXX XXXX, XXXX, therefore I can not have a delinquency with them.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I have never been late on payments for the account XXXX ( account # XXXX ) Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late Thanks
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am writing to formally address your failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, regarding the block of information resulting from identity theft. On XX/XX/year>, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), Complaint ID : XXXX. I also submitted the necessary identity theft documents, including my identification and the Federal Trade Commission ( FTC ) Report Numbers : XXXX, XXXX, and XXXX, directly to your organization. 

Under the FCRA, upon receipt of such documents and identification, you were required to take the following actions within 4 days : Block the Information Identified as a Result of Identity Theft : You were obligated to block the reporting of any information that I identified as being the result of identity theft. 

Notify the Furnisher of the Identified Information : The FCRA requires that you notify the furnisher of the disputed information that : The information may be a result of identity theft. 
An identity theft report has been filed. 
A block has been requested under this section. 
The effective dates of the block. 
To date, you have failed to comply with these requirements, resulting in the continued reporting of inaccurate and fraudulent information on my credit report. Your failure to adhere to the FCRA procedures outlined under 1681c-2 constitutes a violation of federal law and has caused significant harm to my credit standing and financial well-being.

I am formally requesting that you take immediate action to : Block the fraudulent information identified in my dispute. 
Notify the furnishers of the fraudulent information in compliance with the FCRA. 
Provide written confirmation that the block has been implemented and that the required notifications have been sent to the furnishers. 
If you fail to rectify this matter within the timeframe prescribed by the FCRA, I will be left with no choice but to pursue further legal action to ensure compliance with federal law, including filing additional complaints with the CFPB and FTC, and seeking damages for your noncompliance. 

I look forward to your prompt response and resolution to this matter. You may contact me directly at XXXX or XXXX if further information is required. 

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

Incorrect address on file with Equifax is keeping me from moving forward in my mortgage process. Submitted multiple request online, along with proof to update address with no success. Mortgage company unable to view credit report due to this.
Product: Credit reporting or other personal consumer reports

The information in question doesnt belong to me, and its clear that there has been a mistake. I take my financial health seriously, and its important that my credit report reflects only accurate and up-to-date information. As you know, the Fair Credit Reporting Act ( FCRA ) requires that all information reported on my credit file be accurate and complete. This incorrect information is violating that, and I need it corrected without delay.
Product: Debt collection

I have been charged by property management ( XXXX ) for leaving apartment filthy however have photos and dated videos showing proof that I did n't. The management was notified and I was told that I was wrong and charges will stay, because this is how they do business and they always get paid. After 7 attempts of settling what was actually owed. I was informed debt was being turned over to collections because they always get their money. I contacted the collection agency Hunter warfeild in writing informing them the debt was not valid. They said they will investigate and notify me. This never happened and now this illegal and trumped up charge is on my credit report. Would love the chance in court to prove my innocence.
Product: Credit card or prepaid card

I contacted BBVA ( USA ) on XXXX XXXX about fraudulent charges on my account. Charges were made in XXXX. I XXXX   them and found out the online shopping is located in XXXX. The other one was XXXX. I never heard of this. The total amount is {$220.00} with foreign transaction fees. 
It took them 5 days to investigate these charges and I got a letter saying these charges were authorized. We never done these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX- Account number XXXX XXXX  ( XXXX XXXX  ) - ACCOUNT NUMBER XXXX These two accounts are involved in LITIGATION. It is reporting inaccurate on my credit report. I completed the XXXX XXXX and ALL default is to be removed from my credit file. its reporting false address as well. These accounts are still reporting delinquencies. XXXX  and XXXX  have corrected this account. Theses errors need to be corrected right away or delete these accounts from my credit reports.
Product: Checking or savings account

I recently have been involved in identity theft where checking accounts have been opened under my name WITHOUT MY KNOWLEDGE with Bank of America. I have already spoken to numerous people at the institution within the fraud department, I have locked my SSN number, I have completed affadavits, and still accounts are being opened. I have reported this with the Federal Trade Comission as well.
Product: Debt collection

My XXXX account was transferred to Diversified Consultants Inc and when I received notice of this, I immediately paid in full and was assured it would not hit my credit report. Months later, I noticed an open balance on my credit report for an amount I did not owe. I reached out to DCI and they told me it was an error on their end and they would update the records for the credit bureaus. Recently, I noticed it is still on my credit report so I submitted a dispute to XXXX and they notified me that DCI claims the debt is mine, however, when I call DCI they tell me my account was paid in full and they are reviewing the issue. They continue to prolong the dispute and nothing has been resolved. In addition, their customer service is terrible and they are very rude when I call to request a status update. One of the representatives would not even let me talk and kept interrupting me and being disrespectful. It is frustrating that this error is affecting my credit and DCI is not being helpful.
Product: Student loan

XXXX I started repaying my student loans, I am a XXXX and used the income based repayment plan, I payed on them from XXXX - XXXX, every year they made me do a new income based repayment plan request and send tax documents, which I did. In XXXX, they asked for paycheck stubs also, I sent those, then they asked for a letter from the company I work for, I sent that. During this time, I had automatic payments coming out. Suddenly I received a letter with a message " your request for a deferral has been approved '' then no payments. in XXXX, I tried finding the loans, but the company had sent them off and told me to go to the default loan service, I tried finding them to who they sent me to, they had no information. Now XX/XX/XXXX, I get a letter that my XXXX original loans is now XXXX dollars and it is with some other contracted company. I had auto payments set up and the company stopped taking money out, then could not find the loans even though I was looking and contacting the company. How do I fix this and get back to the income based repayment plan I had been on for 3 years, when they suddenly deferred it and then moved everything around.
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 XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

We purchased a pickup truck from a dealer and got a financing with high credit score ( XXXX and XXXX respectively ). 
An automatic payment was set up with XXXX XXXX XXXX ( XXXX  ), the financial institution, on XX/XX/XXXX. ( letter of acceptance on record ). 
The loan amount is {$320.00} for 40 months. 
WFS sold the loan and CLOSED the account on XX/XX/XXXX to XXXX XXXX XXXX ( XXXX  ). 
The automatic payment followed through until XX/XX/XXXX. 
XXXX did not report our automatic payment in XX/XX/XXXX when it was paid. The account from XXXX was already closed since 3 months, correctly reported as paid on XXXX, XXXX, XX/XX/XXXX but NOT in XXXX. 
XXXX was paid but did not report it as paid. 
A payment of {$640.00} was withdrawn on XX/XX/XXXX and an additional {$320.00} was withdrawn on that same day for a total of {$960.00}. Have bank statement on record. 
Despite the fact that XXXX was paid for XXXX, XXXX and XXXX, they withdraw more money and reported an unpaid balance in XXXX. 
XXXX has NEVER sent an email, NEVER sent a letter by mail nor has NEVER left a voicemail.
Product: Mortgage

In XXXX of this year my entire family got XXXX. Because our kids were very sick too. My wife and I were out of work for weeks. My entire family wasn't back to work/school until the middle of XXXX. In XXXX of 2022 we applied for the XXXX  program to help us pay for our mortgage payment. We were told back in XXXX of 2022 that we were in the last stage of our application. But when XXXX came and we had not heard anything from the XXXX. We decided to find out what was holding up the application. We found out that XXXX sent a form over to our mortgage lender on XX/XX/2022. Our mortgage lender never received that email. After spending three full days trying to get both side to communicate. My mortgage lender finally wrote an email to XXXX  on our behalf asking them to resend the email. On XX/XX/2022 XXXX resent the email and my lender confirmed that they received it. And the lender filled the form out and sent it back to XXXX  that same day. My lender states that they were verbally told that we had been approved. And that they even told my lender a dollar amount. My family and I had been paying our mortgage loan biweekly for a few months now expecting the XXXX to start any day. On XX/XX/XXXX our mortgage went 30 day pass due for the first time ever. And I do believe that it is not fair or legal. Not only did my wife and I have a payment arrangement with our mortgage lender to pay ever two week. They were also fully aware of the XXXX  miscommunication because of us, If my wife and I had not decided to make any attempt to solve the hold up, we could have been stuck in limbo forever. P.S it is XX/XX/XXXX and we still have not received any help from the XXXX program. We applied in XXXX.